Homeowners insurance generally does not cover the cost of replacing polybutylene pipes. Because these pipes are considered a pre-existing defect or a maintenance issue, insurers view their replacement as the homeowner’s responsibility. However, the resulting water damage may be covered if a pipe suddenly bursts.
Homeowners insurance typically does not cover polybutylene (PB) pipes. Insurers classify them as high-risk due to a history of defects and leaks. While some companies may offer coverage, they will generally exclude water damage, add surcharges, or require you to completely replace the plumbing system.
The cost to replace polybutylene pipes runs between $300 and $5,100, with the average homeowner spending $1,200 on polybutylene pipe replacement. Polybutylene pipes are no longer used in new construction because they are prone to defects, leaks, and pipe bursts.
Avoid making guesses or unsupported statements about what caused the damage to your property. Speculating can lead to inaccuracies in the adjuster's report, potentially affecting your claim.
Yes, polybutylene (PB) pipe absolutely needs to be replaced. Widely used between the late 1970s and mid-1990s, PB pipes degrade and become brittle when exposed to oxidants and chlorine in public water supplies. Because they are prone to sudden, catastrophic ruptures, most plumbers consider it a matter of "when" they will fail, not if.
Polybutylene pipes typically last 10 to 15 years. Because manufacturing of this piping ceased in the mid-1990s, any remaining systems have exceeded their lifespan and are on borrowed time.
PB has the same outside diameter as PEX of the same nominal size, but outside diameters differ slightly between the tubing types. This means that you should not use PEX fittings on polybutylene, but that you can use PEX crimping rings and PEX crimping tools on barbed PB connections.
The insurance company that denies the most claims depends heavily on the type of insurance you are referring to:
The 80% rule in homeowners insurance dictates that your dwelling coverage must equal at least 80% of your home’s total replacement cost. Meeting this threshold ensures your insurance company covers the full cost of repairs (minus your deductible) for a covered loss.
How to Intimidate the Insurance Adjuster
If you have polybutylene (PB) pipes, the safest course of action is to replace them immediately. These pipes, common from 1978 to 1995, are prone to sudden failure, cracking, and leaking due to reactions with chlorine in water, often causing significant water damage.
Pipes made from polybutylene were installed in up to 10 million homes in the Unites States during that period. Despite its strengths, production was ceased in mid-1996 after scores of allegations surfaced claiming that polybutylene pipes were rupturing and causing property damage.
Yes, you can buy a house with polybutylene pipes, but do not do it without negotiating a price reduction or having the seller replace the pipes prior to closing. Polybutylene (a gray or sometimes blue plastic pipe used from the late 1970s to the mid-1990s) is highly prone to sudden, catastrophic failures because oxidants in public water make the material brittle over time.
Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage is provided by the federal government's National Flood Insurance Program, although it is purchased from an insurance agent.
State laws in the U.S. require you to disclose known material defects, such as polybutylene pipes, during the home selling process. Major lawsuits have confirmed that these plumbing systems count as a material defect.
Certain dog breeds are frequently excluded from standard homeowners and renters insurance policies because they are considered high-risk for liability claims. The average cost of a dog bite claim is now nearly $70,000, driving insurers to restrict coverage to mitigate financial exposure.
Dave Ramsey considers homeowners insurance a non-negotiable tool to protect your biggest asset. He emphasizes carrying enough coverage to completely rebuild your home and replacing all your belongings in the event of a total loss.
Avoid making statements like, “I'm fine,” “It's not that bad,” or “I don't really need to see a doctor.” Insurance adjusters rely on your early descriptions to judge how seriously you are hurt, and any language about your pain not being that bad can be used against you in the future.
Popular Insurance Companies with the Most Complaints
State Farm is the #1 insurance company in the U.S. overall by market share and direct premiums written. However, the top ranking depends on the specific category of insurance you are looking for.
No, you should not use a regular, all-purpose SharkBite fitting on polybutylene pipes. Standard SharkBite fittings are designed for PEX, copper, and CPVC. Because polybutylene has a slightly different outside diameter, using a standard fitting will eventually result in a leak or blowout.
Generally, you can budget around $2 to $6 per square foot for a PEX repipe. So, for a 2,000-square-foot home, you might estimate a cost between $4,000 and $12,000. You can also refine your estimate by counting your plumbing fixtures.
Homeowners insurance typically does not cover polybutylene (PB) pipes. Insurers classify them as high-risk due to a history of defects and leaks. While some companies may offer coverage, they will generally exclude water damage, add surcharges, or require you to completely replace the plumbing system.