Ah, plumbing – the system that keeps everything running smoothly and prevents you from living in a soggy nightmare. But did you know your choice of plumbing pipes could also affect your homeowner’s insurance? It’s true!
So, without further ado, let’s dive in.
First up, we have PEX pipes. These little beauties are made of cross-linked polyethylene, which makes them strong enough to handle water pressure and flexible enough to weave through walls and crawl spaces. With the ability to form 90-degree curves, PEX pipes are a cost-effective solution to replace copper or galvanized steel. But be warned – not all U.S. cities and counties allow PEX pipes, so check with a building inspector first. Some insurance companies may be hesitant to offer coverage to a home with PEX plumbing, especially where building codes don’t allow it.
Next on the list are PVC pipes. These lightweight and easy-to-use pipes are a popular choice for drain or vent lines. But don’t let their simplicity fool you – installing PVC pipes is a job best left to the pros. Poor installation can lead to leaks in critical areas, and insurance companies don’t take kindly to frequent plumbing mishaps. While PVC pipes are usually approved for home use, double-check with a contractor to ensure they’re allowed in your area.
If you’re feeling fancy, copper pipes might be right up your alley. They’re the high-quality, gold standard of plumbing pipes – but be prepared to pay for it. Copper pipes are the most expensive option, costing at least $4 per foot and up to $20,000 for a full home repiping. However, insurance companies love copper pipes because they’re durable and have fewer risks for leaks when installed properly.
ABS pipes are another option for your plumbing needs, but be aware of their black sheep status. While ABS pipes look similar to PVC pipes, they’re slightly softer and handle cold temperatures better. However, ABS pipes contain bisphenol A (BPA), a chemical that may cause negative side effects on fetuses, infants, children, and animals. Most insurance companies will insure homes with ABS pipes as long as they’re included in building codes, but some may be wary of leaks in certain climates.
Flexible connectors are the unsung heroes of the plumbing world. They’re small, flexible, and connect appliances to the water supply in a wall. You’ll usually find them linking your ice maker, dishwasher, or water heater to the main kitchen line. While they’re more expensive than other types of plumbing pipes, they’re necessary in small areas that require a pipe of an unusual shape. Homeowners should check flex pipes periodically, as they’re thin and prone to cracking. But don’t worry – using flexible connections most likely won’t hurt your home insurance rate.
Finally, we have galvanized steel and cast iron pipes. You may see galvanized steel pipes in older homes, but they’re much less common now due to their tendency to corrode and build up lead in your water. Cast iron pipes are more common and often used for drain lines. However, cast iron pipes can be expensive and difficult to install, making them less popular than other options.
In summary, choosing the right plumbing pipes for your home is important for both your peace of mind and your homeowner’s insurance. Make sure to check with a contractor or building inspector to ensure your chosen pipes are allowed in your area, and leave the installation to the pros. Happy plumbing!