Polybutylene was once the standard for plumbing in homes across the United States. But, these pipes became more and more susceptible to cracking or leaking. This can cause extensive damage to homes. Homeowners need to know if their homeowner’s insurance covers damage caused by polybutylene tubes.
It all depends on your policy. Some insurance policies cover damage caused to polybutylene pipelines, while others don’t. You should read the fine print to ensure you fully understand your homeowner’s insurance policy.
The pipes’ age is one of the key factors that determine whether homeowners insurance covers damage caused to polybutylene. Many insurance companies won’t cover damage to polybutylene pipelines that were installed after 1995. This is because polybutylene pipes were widely replaced with other plumbing materials by the insurance industry by 1995.
Your homeowner’s insurance policy may not cover damage caused by polybutylene pipelines. Another factor to consider is where the pipes are located. Some insurance companies will not cover pipes damaged if they are not located in a living area, such as an attic, basement, or crawl space. However, damage to pipes located in a living space such as a kitchen, bathroom, or bedroom may be covered.
The terms and conditions of your homeowner’s policy may also affect coverage. A deductible can mean that you will need to pay a percentage of the cost to repair damage from polybutylene pipes.
Polybutylene pipe damage can be covered by homeowners insurance in a variety of ways. This is due to a number of factors. Understanding the policy terms and conditions is the best way to determine whether or not your policy covers such damage. You must speak with your agent if there are any concerns regarding your coverage.
