Cast iron pipes and impact on homeowners policy

Do you own a house with cast iron pipes?  If you are unsure of the answer, educate yourself.  Cast iron pipes were used in the 60’s and 70’s and have a life expectancy of 25-30 years, depending on how much they are used.  For a family of two, maybe they last a bit longer.  But for families of 5, life expectancy may for cast iron pipes may be 25-30 years.

So, what does this mean to you as the homeowner?  Get the right insurance coverage for your home and make sure the policy covers cast iron pipe damages if these pipes are still in your home.  Buying a “new to you” older home, make sure you know what is in the home you are buying, and, make sure you choose an insurance policy that’s got you covered for unforeseen damage.

Cast iron pipes were installed in new homes in the 60’s and 70’s in the structure of the home itself, then they were connected to city water/sewer with clay or PVC pipes.  Cast iron breaks down over time, unlike PVC pipe, which came into play much later and is what is mainly used in today’s plumbing.

Protect your investment wisely and choose an insurance policy based on the coverage you need to make sure you are not faced with changing out your home’s entire corroded plumbing system, which will be much more costly in the long run.  Why pay for coverage you “think” you are getting?  Pay a higher premium to get the coverage you need when the time comes.

If you have cast iron pipes, have the correct coverage, and are experiencing any leaks, call us for a complimentary evaluation.  We will help you secure the proper payment you are entitled to under your policy.

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