What You Need to Know About Polybutylene Pipes and Home Insurance in South Carolina

Polybutylene (PB) pipes were a popular type of plastic plumbing used in homes built between the late 1970s and mid-1990s, including many in South Carolina. They were inexpensive and easy to install, but over time, they’ve become known for their tendency to fail without warning, often due to chemical reactions with chlorine in municipal water supplies.

Why Polybutylene Pipes Are a Problem

• High failure rate: Pipes can crack or flake from the inside, causing major leaks.

• Not visible: Damage usually starts inside the pipe, so problems aren't visible until it's too late.

• Class action lawsuits: PB plumbing was at the center of lawsuits in the ‘90s.

• Insurance complications: Many insurers consider homes with PB pipes high-risk.

How to Know If You Have Polybutylene

Look for:

• Gray or blue pipes (sometimes white)

• ½" to 1" diameter, flexible plastic

• Stamped with “PB2110”

• Often found near water heaters, basement ceilings, crawl spaces, or at the main water shut-off

Getting Home Insurance in South Carolina with PB Pipes

It’s not impossible to insure a home with PB pipes, but it’s more complicated:

1. Disclose It Up Front

Honesty is key. If PB pipes are found during an inspection and weren’t disclosed, it could void the policy or deny claims.

2. Expect Higher Premiums or Limited Coverage

Some insurers will cover homes with PB, but may:

• Charge higher premiums

• Require a higher deductible for water damage

• Exclude coverage for water damage entirely

3. Shop Around

Not all insurers treat PB plumbing the same. Options to try in SC:

• State Farm

• Foremost (Farmers)

• Hippo

• ASI (progressive affiliate)

• Local insurance brokers who can shop multiple carriers

4. Get a Plumbing Inspection

A certified plumber can provide a written report showing the pipes are in good condition—this can help with underwriting.

5. Consider Replacing the Plumbing

If budget allows, repiping with PEX or copper can:

• Increase property value

• Make the home easier to insure

• Save you thousands in potential water damage repairs

Polybutylene pipes don’t have to be a deal breaker. With the right steps, you can still find home insurance—and even negotiate better terms. If you're buying or selling a home with PB piping, working with experienced professionals can help you navigate the process with confidence.

Need a downloadable checklist for buyers or sellers? Contact me today for our free pdf!