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is it safe to stay in a house with a sewage backup 15

https://wiki-canyon.win/index.php/Gateway_Water_%26_Mold:_What_to_Do_After_a_Sewage_Backup

Sewage backup in a house is a serious health hazard, not just a smell issue. Raw sewage contains bacteria, viruses, and parasites that can cause diseases like E. coli or hepatitis. The fumes can also be toxic. It's not safe to stay, especially for kids, elderly, or anyone with breathing problems. You should leave until a professional cleans and fixes the cause. Even if it's just a small backup, the risk is high.

will insurance pay for a mold test 15

https://mega-wiki.win/index.php/Does_Homeowners_Insurance_Pay_for_Mold_Testing%3F_Gateway_Water_%26_Mold_Explains

Your home insurance might cover a mold test if the mold is linked to a covered claim, like a sudden pipe burst. But for gradual leaks or high humidity, policies often exclude it. Check your specific policy details and talk to your adjuster to see if testing would be covered as part of a larger loss investigation.