Handling server down in code

We currently have a setup with two servers in a cluster. As far as I can read the automatic failover only works with 3 servers.
We are using the .NET SDK version 1.3.10. The clients are connected to localhost only.

My questions are:
What happens client side when one of the server is down and failover has not happen?
Is there any way to detect that a server is down from the client or only through the REST API?

If we restart our process that holds the client, everything continues to work fine. Why is that?

hey @jmorris any advice here on what’s happening?