Poly B plumbing when you sell your home
By Dan Jones ·
Bottom line: poly B is no longer mainly a plumbing problem, it is an insurance problem, and that is what makes it matter to your sale. A growing number of insurers decline, exclude or surcharge homes that still have polybutylene supply lines. A buyer who cannot insure a house cannot get a mortgage on it, and a buyer who can only get expensive coverage wants that reflected in the price. You do not have to repipe before selling. You do have to know what you have, disclose it accurately, and decide deliberately whether to fix it or price for it. What does not work is hoping nobody notices, because somebody is being paid to notice.
I am Dan Jones, a REALTOR with Royal LePage Locations West in Penticton, licence number 1118346. I was a Red Seal journeyman carpenter from 1980 and built houses for twenty-four years before I was licensed in 2004, which is the era poly B went into a great many of them.
I am not an insurance advisor and I will not guess at your coverage. What follows is what I see happening in this market and where to get a real answer on your own position.
Why so many Okanagan houses have it
Polybutylene supply pipe was installed widely in Canadian homes from roughly the late 1970s through the late 1990s. It was inexpensive, flexible, quick to run and did not require soldering. For a couple of decades it was simply what a lot of houses got plumbed with.
That period covers an enormous amount of the housing stock in Penticton, Summerland and the surrounding communities. If your home is from that window, poly B is a reasonable first assumption rather than an unlikely problem.
The failures, where they happen, tend to be at fittings and connections rather than along the pipe itself, and they can be sudden. That is the origin of the reputation.
The reason it matters now
Here is the chain, and it is worth following all the way through because the middle of it is where people stop.
- Insurers have tightened. A growing number decline new policies on homes with poly B, exclude water damage claims arising from it, or charge a higher premium.
- A buyer needs insurance to get a mortgage. Lenders require coverage as a condition of funding.
- So a buyer who cannot get affordable insurance cannot complete, or completes at a price that reflects the problem.
That is why poly B shows up in negotiations more often than its actual failure rate would suggest. The pipe might last another fifteen years. The insurance question is live today.
It is the same chain that makes 60 amp electrical service and unremediated aluminium wiring matter. The older house list covers all of them together.
How to find out what you have
Poly B is usually grey, sometimes blue or black. It is flexible rather than rigid, noticeably different from copper, and often stamped PB2110.
Places you can see supply lines without opening anything up:
- At and around the hot water tank
- Under sinks, at shutoff valves
- At the main water shutoff
- In an unfinished basement or crawlspace, where runs are often exposed
- Where pipes enter from a utility room
If the house is of the era and you cannot tell, a plumber will identify it in minutes. That is worth doing before you list rather than finding out from a buyer’s inspection report.
One thing to be aware of: some houses have had partial work done, with the worst runs or the fittings replaced and the rest left. That is a different conversation from a full repipe, and the documentation matters.
Repipe, or price for it
There is no universal right answer and anyone who gives you one without seeing the house is guessing.
Arguments for repiping before listing: it removes the objection entirely, widens the pool of buyers who can insure and finance the house, and takes the issue off the table in negotiation. On a property where poly B is the main thing standing between you and a clean sale, it can pay for itself.
Arguments for pricing it in: it is disruptive, it requires opening walls and making good afterwards, and you are spending money before you have proceeds. If the house has other things a buyer will want to address anyway, doing one item in isolation may not change the outcome.
What I would do first is get two or three quotes from licensed plumbers, so the decision is made against a real number rather than a fear. Ask each quote to be specific about drywall repair and painting, because that is where estimates differ most and where a cheap quote turns expensive.
Then talk to your own insurance broker about where your current coverage stands. Their answer often clarifies the decision.
If you do repipe, keep the paperwork
PEX is the usual replacement, approved under the BC Plumbing Code and accepted by insurers. Copper is the alternative and costs more.
Whichever you use, keep the invoice and any permit documentation. A buyer’s insurer will want evidence, and “it was done a few years ago” is not evidence. That piece of paper is worth real money at sale time and it costs nothing to file properly.
The same is true for aluminium wiring remediation, oil tank removal and WETT inspections. Documentation of work done is one of the most undervalued things a seller can hand over.
Disclosure
The Property Disclosure Statement asks about plumbing and about known defects. Answer it accurately.
If you know you have poly B, say so. If you genuinely do not know what you have, say that rather than guessing in either direction, and then go and find out properly.
How a disclosure should be worded is a question for your conveyancer or a lawyer, not for me, and I will tell you when you have reached that point.
What I tell sellers
Find out what you have before you list. Get quotes so you are deciding against numbers. Talk to your broker. Then choose, and price accordingly.
A house with poly B and an honest price sells. A house with poly B and a price that pretends otherwise sits for sixty days, gets renegotiated during subject removal, or falls apart when the buyer cannot get coverage. The second outcome costs more than the repipe would have.
If you want me to walk your property and tell you which of this actually applies, email me at dano007@shaw.ca or call 250.488.0226.