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Can I get insurance with PEX piping?
Tuesday, January 4, 2022
Some companies in Florida will not insure any home with PEX piping, others won’t accept PEX installed before 2010, and some just want an inspector to determine if the PEX is in good condition to issue coverage.
It’s all because there have been multiple issues and class-action lawsuits over the years regarding failures of PEX. The problems include:
•• Older PEX pipe had brass connectors with a high zinc content. Chemicals in municipal water caused the zinc to leach out of the metal, a problem called “dezincification,” and eventually the fittings failed and leaked. That issue has since been fixed for newer installations with low-zinc brass or plastic fittings.
•• All PEX pipe is extremely sensitive to the UV-rays in sunlight, which causes it to become brittle and fail. Even exposing PEX to sunlight before installation will shorten its life. The material is best suited to installation in total darkness.
•• PEX in walls needs to be protected from nails through the wall, and PEX is also susceptible to being gnawed by rats in the attic.
And, of course, the less-expensive insurers are more likely to decline PEX coverage or raise the deductible for water-damage related claims. Examples of underwriting standards from several companies are shown below.
To find out more about PEX pipe, see our articles Can PEX pipe be installed outside? and Is PEX pipe freeze resistant? and What is the average life expectancy of PEX pipe? and Are plastic pipes (PVC, CPVC, and PEX) safe for drinking water? and What do the ABS, PVC, CPVC, PB, and PEX plumbing pipe names mean? and Can PEX pipe be connected to a water heater?
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Here’s links to some of our other articles about PLUMBING PIPES:
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