Florida insurer asking about your pipes? See what to do next

Homes built about 1978 to 1995

Polybutylene Pipe Replacement in Tampa Bay

If your home has gray polybutylene supply pipe, replacing it protects your home and can keep it insurable.

Free repipe estimate

Takes 30 seconds. No obligation.

What polybutylene is

Polybutylene, often called PB or "poly" pipe, is a gray or sometimes blue flexible plastic supply pipe. It was used heavily in new home construction from about 1978 to 1995, including across Florida. (Source: NBC 6 South Florida, March 13, 2023) It was popular because it was cheap and easy to install. It did not hold up, and leaks at the pipe and its fittings led to a nationwide class-action settlement covering systems installed between January 1, 1978 and July 31, 1995. (Source: Contractor magazine, Nov. 1, 2002)

The trouble with polybutylene is that it often fails without warning. A fitting lets go, or a section of pipe splits, and water runs until someone notices. Because the pipe is usually hidden in walls and ceilings, damage can spread before a leak shows.

How to tell if you have it

  • Look where pipes are exposed: at the water heater, under sinks and behind toilets
  • Polybutylene is usually gray, sometimes blue or black, and flexible
  • Many pieces are stamped with the code PB2110
  • Fittings may be plastic or copper or aluminum crimp rings
  • Seeing copper at the fixture does not rule it out, because short copper stubs were sometimes used where pipe comes out of the wall

Gray pipe at your water heater is a good reason to have a licensed plumber or home inspector confirm what runs through the walls. Remodels and past repairs can mix materials, so one look under one sink is not the whole story.

Why Florida insurers care

Polybutylene has become a common reason for Florida insurers to decline or non-renew a policy. In a 2023 NBC 6 South Florida report, Citizens Property Insurance, the state's insurer of last resort, said that like most others in the industry, it "does not insure properties with polybutylene piping." The Florida Office of Insurance Regulation told NBC 6 that an insurer "may consider the age of the home, roof, plumbing, electrical wiring or the heat and air." (Source: NBC 6 South Florida, March 13, 2023)

The same report described a homeowner who received a non-renewal notice, then learned her home had failed a four-point inspection and that she would need new pipes to get another policy. Without coverage, a mortgage lender may place a much more expensive policy on the home. If your insurer has flagged polybutylene, ask your agent exactly what they need, such as proof of a permitted repipe or a new four-point inspection, and get it in writing. See repiping for insurance.

Replacing it

Replacing polybutylene is usually a whole-home repipe of the supply lines with PEX or copper. Patching only the visible sections leaves the rest of the PB in the walls, which does not solve the insurance problem and does not remove the risk. A licensed contractor pulls the permit, runs new lines, reconnects each fixture, schedules the inspection and patches the openings.

  • Ask for a written quote that names the new pipe material and the valves
  • Confirm the permit is included and who schedules the inspection
  • Ask what paperwork you will receive for your insurer, such as the permit number and final inspection
  • Ask whether patching and paint are included

Cost

Angi's Tampa cost guide puts the typical repipe at $1,514 to $15,135, with most homeowners paying around $7,568. (Source: Angi, Tampa repipe cost guide, updated May 27, 2026) Polybutylene homes from the 1980s and early 1990s are often single-story slab homes, where lines can be run through the attic. Larger and two-story homes cost more. See repiping costs for what drives the price.

Buying or selling a home with polybutylene

NBC 6 noted that sellers must disclose polybutylene during a sale and may need to replace it or offer the buyer a discount. (Source: NBC 6 South Florida, March 13, 2023) If you are buying a 1978 to 1995 home, ask the inspector to identify the supply pipe and price a repipe into your decision.

Common questions

Can I just replace the leaking section?

You can repair a leak, but the rest of the polybutylene stays in the walls. Most insurers that object to PB want it gone, not patched.

Is the old class-action settlement still paying?

The settlement covered systems installed from 1978 to 1995 and set claim deadlines long ago. Plan on paying for replacement yourself.

Do all homes from those years have polybutylene?

No. Many used copper or CPVC. A plumber or inspector can confirm what you have.

Ready to stop chasing leaks?

Free, no-obligation repipe estimates across Tampa Bay.

Call NowFree Estimate