Not all pipes are equal. Some older materials can affect insurance, resale and your repair budget.
Key takeaways
- Polybutylene supply piping is a common insurance red flag in Florida.
- Galvanized steel supply lines corrode from the inside over time.
- Cast iron drain lines can crack and deteriorate, especially under slabs.
- An inspector reports visible materials. Camera inspections of drain lines are a separate service.
Plumbing is mostly hidden, but the materials used in a home can have a big effect on insurance, resale and future repairs. Here is what Florida buyers should know.
Polybutylene
Polybutylene is a gray plastic supply pipe that was widely installed from the late 1970s into the 1990s. It is known for failing unexpectedly, and many insurers will not cover homes that still have it. It is one of the key items on a 4-Point Inspection.
Galvanized steel
Galvanized supply pipes were common in older homes. Over time they corrode from the inside, which reduces water pressure and can lead to leaks and discolored water. Insurers may ask about them, and many owners choose to replace them.
Cast iron drains
Many older Florida homes have cast iron drain lines, often under the slab. Cast iron can crack and scale over decades, leading to slow drains and leaks. If there are signs of drain problems, a plumber's camera inspection can show the condition of the lines.
Modern materials
Copper, CPVC and PEX are the most common modern supply materials, and PVC is the most common drain material. Each has pros and cons, but insurers generally view them favorably.
What to ask the seller
- Has the home been repiped, and is there a permit?
- Have there been any slab leaks or drain line repairs?
- How old is the water heater?
Frequently asked questions
Can an inspector see every pipe?
No. Inspectors report materials that are visible, such as at the water heater, under sinks and in the attic. Pipes inside walls and under slabs cannot be seen.
Does polybutylene always need to be replaced?
Many owners replace it because of insurance requirements and the risk of failure. Ask your insurance agent how your carrier handles it.
