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Old 01-20-2013, 01:53 PM
 
14 posts, read 39,462 times
Reputation: 11

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I have owned my home in SE Cape Coral for 1 1/2 yrs now. We have recently come across some leaks in the pipes. The ceiling in the bathroom came down when I was cleaning it.Come to find out they are all copper and starting to get a pinhole leaks in them. I spoke to a plumber and he suggested we should get the whole house repiped with cpvc type pipes. I'd like to say that when we first bought the property we had a home inspector come out but was never told anything about the pipes. Now that we have to deal with it, can we claim anything under homeowners insurance. This just happened so I haven't had a chance to call yet. Also, do I need a permit to have this work done? Thanks.
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Old 01-20-2013, 04:44 PM
 
14 posts, read 39,462 times
Reputation: 11
Does anyone know if there were many houses built with copper pipes?
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Old 01-20-2013, 10:39 PM
 
Location: Cape Coral
5,495 posts, read 6,321,654 times
Reputation: 2217
My home was re piped about 5 years before I bought it. The owner did get a permit.
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Old 01-21-2013, 04:15 AM
 
Location: Cape Coral
319 posts, read 484,140 times
Reputation: 508
Tripping is common due to our hard water.

Copper was used regularly up until 97 / 98, then CPVC, now Pex is out there.

As for Home Owners ins., you would need to report a broken pipe, you may be able to get a claim big enough to offset the cost. The biggest concern from the insurance POV will be mold, they may try to get ServPro or another disaster company out, this will eat up some money. Also, I am not sure if they would consider this under "flooding".

Get an adjuster out and have a estimate handy that indicates it is better to replace than it is to repair.

Let us know how it goes.
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Old 01-21-2013, 08:24 AM
 
1,299 posts, read 1,996,246 times
Reputation: 245
check to see if you have chinese drywall issues. C.D. and copper are not good news. When was your house built? Also check if they did any remodeling.
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Old 01-21-2013, 09:38 AM
 
Location: Western MA and Cape Coral
45 posts, read 100,592 times
Reputation: 23
Our water dissolves the Copper faster than in many other areas. 25 to 30 years is a long time down here for the pipes to last without issue. With the added Sulfer from Chinese dry wall they would deteriorate faster. The Plumber is not scamming you about the issue.
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Old 01-23-2013, 08:22 AM
 
14 posts, read 39,462 times
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Our house was built in 1980. It's a 3br 2bath. The plumber gave me an estimate of $3200 which would include cutting out and replacing the sheetrock. I will have to repaint. I've called homeowners and they said they may cover the sheetrock repair but not the pipes .They also said that if I put in a claim that there would be a chance that when my insurance is up for renewal that they may write it to another company. The insurance broker said to make sure it is worth it.
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Old 01-23-2013, 08:34 AM
 
1,299 posts, read 1,996,246 times
Reputation: 245
First you need to find out what coverage you have. Why they pipes wouldn't be covered is a mystery to me.
It is also time to find a new broker I think, that is what they are there for to explain the coverage you have to you.

If the $3200.00 include all the pipes from the water main (where the water comes in to the house) at the outside of the home then that does not seem a bad price if it includes the bathrooms, kitchen, laundry all the plumbing.
But it is always prudent to get more then one estimate for any job you want done
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Old 02-05-2013, 06:35 AM
 
Location: Western MA and Cape Coral
45 posts, read 100,592 times
Reputation: 23
This typically would be considered wear and tear and one's insurance company should not be involved in the pipes, much the same as roof shingles wearing out. They do get involved in subsequent damage which is why some carriers will cover part of the job. If a pipe were to burst, the pipe should not be covered but they would cover all the rest as the result of an accident including painting carpet cleaning etc.
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Old 02-05-2013, 07:33 AM
 
1,299 posts, read 1,996,246 times
Reputation: 245
One of the problems I have noticed is that they use M type copper pipes here in plumbing. I would never use any of the M type for anything it is way too thin. In many places of the country they code calls for L type and M type can not be used.
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