Can You Get Homeowners Insurance With Polybutylene Pipes – Polybutylene is a type of plastic supply pipe material manufactured and installed between 1978 and 1995. This material is popular because it is cheaper than copper and easier to install. However, many homeowners are starting to file claims due to pipe bursts and water damage to their homes. In 1995 a class action lawsuit was brought against the polybutylene manufacturer and soon the material was found to be unacceptable to building codes and we did not see this material used in new construction.
If you are buying a home and your inspector finds polybutylene pipes – you really have two options when it comes to home insurance.
Can You Get Homeowners Insurance With Polybutylene Pipes
Option B You can find an insurance company that will allow you to purchase a home insurance policy for a home with a water leak. This means that if the polybutylene pipe fails and water damage occurs in the house, the insurance company will not cover it.
Water Damage And Polybutylene Pipes
Although this solution is not the best option, it meets the mortgage requirements that allow you to buy a home while you save money for a change.
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Join the community and follow us as we not only provide consumers with insurance tips, but also create new ways to shop for insurance. Join us on a journey that we believe will change an industry. It is no secret that buying a home is a huge investment. But did you know that your choice of home furnishings can affect the value of your investment? If you have been thinking about buying a home with polybutylene (poly-B) pipes, you may want to think again.
Polybutylene And Pex Piping
While polybutylene pipes used to be the most popular type of pipe for homes, they are prone to leaks and rust. As a result, many homeowners with polybutylene pipes now need to replace the pipes.
So before making your final decision, be sure to weigh all your options carefully. In this article, we will look at what you need to know about buying a home with plastic pipes to make the best decision.
Polybutylene or Poly B pipes are usually gray, blue or black, and are usually marked “PB 2110” or “Polybutylene”. Unfortunately, marking these pipes is not very useful as Poly B pipes are often located in hiding places, such as behind walls or under floors.
If you want to be sure, your best option is to ask the seller directly or if you want to know more about polypropylene pipe you can read our article >> What is polypropylene pipe and its risks.
Should You Buy A House With Polybutylene Pipes?
In some cases, vendors are not legally binding to indicate the presence of polybutylene tubing. However, most reputable sellers are willing to talk openly about any issues with the home.
In many cases, sellers are unaware that their home has this type of plumbing. Therefore, it is always important to ask a professional plumber for an inspection before making a decision. It will give you peace of mind knowing what you are getting into.
Despite the potential problems associated with Poly B pipes, there are some advantages to buying a home with this type of pipe. The advantages are:
The main advantage of buying a house with Poly-B water system is that it can be cheaper than real estate without this type of water system.
Can You Sell A House With Polybutylene Pipes? [yes, Learn How]
Since polybutylene pipes are now banned in some states, many sellers are eager to buy a home and may be willing to negotiate a purchase price. In addition, since replacement can be expensive, you may also find that you can negotiate the price.
Another advantage of buying a home with polybutylene pipes is that the closing process will be faster than buying a home without this type of pipe.
This is because many sellers want to close the sale as soon as possible and forget about the problem. As a result, you may find yourself closing property faster if you bought a home without Poly B pipes.
In some cases, the seller may be willing to pay for the replacement of the polyethylene pipe. This usually happens when the seller is encouraged to sell quickly.
Disadvantages Of Pex Plumbing
If you are interested in buying a home with polybutylene pipes, be sure to ask the seller if a replacement price is included and be sure to get it in writing.
Keep in mind that if you can not find your own money for a replacement, you may have a hard time finding a lender who is willing to lend. As a result, it is important to consider all your options before making a decision.
Now that you know what polybutylene pipes are and how to identify them, let’s take a closer look at the disadvantages of buying a home with poly Butylene pipes.
You should know that many insurance companies will refuse to insure your property if it has polybutylene pipes. In fact, because this type of pipe is prone to leaks and rust, some insurance companies consider homes with this material to be at high risk.
Polybutylene Plumbing: The Hidden Costs
As a result, if you choose to buy a home with polybutylene pipes or choose to replace it with PEX or copper pipes, you may find yourself without insurance.
Lenders may refuse to provide financing for your home if your home has polybutylene pipes. This is because the cost of replacing this type of pipe can be very high. With that said, for many borrowers, the risk that you will not be able to repair the water damage is too high.
Probably one of the biggest disadvantages of buying a home with polybutylene pipes is the tendency to experience water damage and foundation problems. These types of pipes are prone to leaks, which means they can start to seep into your home foundation over time.
This can cause the foundation to crack or collapse, a serious problem that can cost a lot to repair. Leaks can also lead to mold or mildew in your home, which can cause health problems for you and your family.
Does Homeowners Insurance Cover Plumbing?
Another disadvantage of buying a home with polybutylene pipes is that you may have to replace the entire pipe. Poly B pipes are now banned from installation in many places and it can be difficult to find someone to fix them.
Also, the cost of repairing these types of pipes can be very high, so be sure to consider this when making your decision. If you want to find out more about replacement options and their cost, read on >> Poly-B Pipe Replacement Costs: Updated Price Guide 2022
To answer the question “should I buy a house with polybutylene pipes” it really depends on your specific situation. There are many pros and cons to this type of pipe that you should weigh before making your decision.
If you are planning to buy a home with this type of plumbing system, be sure to consult a professional plumber to get an estimate of replacement costs. It is helpful to ask the seller if they are willing to pay these fees and make sure you have them in writing.
Pipe Dreams How Homeowners Insurance Handles Plumbing Problems
If you are from mainland Canada and need a poly b removal service, we at Your Guy Plumbing are happy to help. For many years, our team has been providing the highest quality water system services in the area. We pride ourselves on our commitment to customer satisfaction. Polybutylene is a type of rubber hose that was used as a home supply pipe from 1978 to 1995. Polybutylene is installed in about 6 to 10 million homes, mostly in the Sun-belt region, but also in the Mid-Atlantic and Pacific-Northwest states near the Atlantic Ocean.
While polybutylene has many advantages such as cost and ease of installation, the claim of crack / leakage led to the closure of production in 1996. Today, homeowners with polybutylene have to pay to replace or risk pipe failure and property damage.
Polybutylene can be recognized by the blue-gray tube. However, some polybutylene tubes may be cream, white, or black. So the only real way to know if it is polybutylene is by marking “PB-2110” written on the tube.
In some cases, polybutylene may not be visible, but it remains in the walls and under the house. Some houses are built of copper but also contain polybutylene in the walls, roof and / or ground.
Help! Polybutylene Pipe As Main Water Line?!
If you think you have polybutylene in your home, you should contact your local certified home inspector to inspect your home.
Chlorine in water can cause polybutylene failure, which can damage pipes and cause leaks / cracks. There is no guarantee that poly will fail or that it will fail in your home.
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