
Repeated slow drains or backups at the lowest fixture in the house — floor drain, basement toilet, laundry standpipe; gurgling when a different fixture runs; camera footage showing a white fibrous mass like a mop head at a pipe joint; a strip of unusually green fast-growing grass over the lateral in a dry August; blockages that clear after rodding and return on a rhythm of six to eighteen months. Roots do not drill through sound pipe. They find water vapor escaping an already-failed joint or crack, grow in, then thicken and catch paper and grease. So this is really two findings at once: your lateral is broken, and a nearby tree found the break. The pipe defect is the disease and the roots are the symptom — which determines who you should actually be paying.
Not urgent. Normally a tree removal job, $400–$1,900 around Indianapolis depending on size and access.
The tree almost always stays, and this is the entry where removal is most often the wrong purchase. Killing the tree does not repair a broken pipe, the dead roots stay in the line until they are mechanically cut out, and the next tree or shrub within reach will exploit the same joint. The durable fixes are all plumbing: cured-in-place lining, pipe bursting, or open-cut replacement of the failed run in PVC. Rodding and foaming root treatments are maintenance, not repair — each buys a year or two. Remove the tree only if it is a poor tree on its own merits, or if an open-cut trench will sever so much of its root plate that it will not be stable afterward, which is a real and routinely missed reason to take it down as part of the dig.