Buyers Beware: Plumbing Red Flags You Need to Know

Purchasing your new home can be an exciting experience. However, this task does not come without its difficulties, as there are a multitude of factors that you must keep in mind to find the perfect home. One of those crucial aspects that is often overlooked is finding the right plumbing for your safety and needs. Today, we will learn about three different types of piping; examining a brief history of each variety, potential risks associated with the piping, and how to spot these various piping systems.

Polybutylene Piping

Polybutylene Piping –This piping system was inexpensive and convenient, making it a relatively popular option and was common in homes in the 1980s and 1990s. They were discontinued because of failures at the plastic fittings.

Unfortunately, there are a multitude of problems associated with polybutylene piping. Some of these include:

  • Chlorine may react with polybutylene, partially decomposing the metal.
  • Polybutylene leaks can be extremely devastating; often causing tens of thousands in damage.
  • These piping systems are older, making them more susceptible to leakage.
  • Often times, insurance will not cover damage from polybutylene piping due to its tendency to cause problems.

Insurability

While there are some insurance companies out there that may offer limited water damage of $10,000, the majority of the carriers will not offer a policy if there is any polybutylene piping in the home. It would be a good idea in looking into getting it replaced.

These are just some of the problems associated with polybutylene piping. 

So how can you tell if you have polybutylene piping?

There are several identification elements that you may use to determine if your pipes are polybutylene. First of all, these pipes will always be flexible unlike some other types of piping. Additionally, this style of piping is typically marked with an identification code of: PB2110. Lastly, these pipes most often have a gray, blue or black color. 

Copper Piping

Copper piping is a tried and true piping method. It dates all the way back to the 1930s, and is still a prominent piping option today. The only concern with copper piping is it will corrode over time so please consult a licensed plumber to make sure the copper pipes are in good condition.

Although copper piping is one of the more reliable varieties of piping, there are still a couple of issues associated with it.

  • Copper pipes are prone to pitting corrosion, where buildup in a small area causes a tiny leak.
  • Compared to other options, copper piping is quite expensive.
  • Copper may not be a great system for hot water, because it loses heat quickly.

Insurability

This is an acceptable type of piping for insurance companies and is very common in most homes, but insurance companies will want you to replace them as soon as possible.

How to Spot Copper Plumbing

Copper piping systems are relatively easy to spot. Whenever they are first installed, they will have a brighter look, similar to a new penny. As they age, the copper begins to react with water and turn a brown color. 

Pex Piping

Pex piping (or crosslinked polyethylene) – Is a newer plastic that is fashioned into a flexible pipe. Pex piping has been around a long time but was used in residential homes in the early late 90’s early 200’s.

Some have no issues with pex piping and some companies will want to see pex piping no older than 2010.

Pex piping systems are a great option, but there are some problems that come with this specific type of piping system. 

  • Pex pipes often leach harmful chemicals from pipes, exposing your water to contamination.
  • If Pex piping is in sunlight, it is susceptible to decomposition.
  • This variety of piping is not the best choice for the environment.

Insurability

Each insurance company has different guidelines when insuring homes with pex piping so please ask your agent if the insurance company you are looking to go with has any issues with that particular kind of piping. Please consult a licensed plumber to make sure the pex is in good working condition.

Despite some of the disadvantages, Pex piping is generally a durable option for your home. 

Identifying Pex plumbing

If you are trying to identify Pex piping, there are a few noticeable ways to distinguish it. First of all, you have Pex piping if it is made out of plastic. Additionally, the pipes will often be a bright red or blue color. 

Hopefully this guide helped you build a better understanding of the various types of piping used throughout homes. Use this knowledge to determine the best piping system for your needs while you are searching for your new home.

Article was written with assistance from Brightway Insurance’s Joshua Amos: 321.363.5500

How To Recover Your Home After A Hurricane

How to Recover your home after a hurricane

The Hurricane Aftermath

In the aftermath of a natural disaster like a hurricane, people want to get back to normal. Unfortunately, strong winds and high waters can cause severe damage to homes in the affected area.

Continue reading “How To Recover Your Home After A Hurricane”

What to Ask When Choosing A Lender

When looking at purchasing a home and acquiring a loan, you’ll be doing some research on lenders. Here are a few questions to ask when choosing a lender to choose the one that best meets your needs:

1. What are the most popular mortgages you offer? Why are they so popular?

2. What fees are included in the loan; and what fees will be due at closing?

3. Are your rates, terms, fees and closing costs negotiable?

4. Do you offer discounts for inspections, homeownership classes or setting up automatic payments?

5. Will I have to buy private mortgage insurance (PMI)? If so, how much will it be and how long will it be required?

6. What are your escrow requirements?

7. What bill-pay options do you offer?

8. What would be included in my mortgage payment (homeowner’s insurance, property taxes, etc.)?

9. Which type of mortgage plan would you recommend for my situation?

10. Who will service this loan – your bank or another company?

11. How long will the rate on this loan be locked-in? Will I be able to obtain a lower rate if the market rate drops during the lock-in period?

12. How long will the loan approval process take?

13. How long will it take to close the loan?

14. Are there any charges or penalties for prepaying this loan?

15. How much in total will I be paying over the life of this loan?

16. Can you tell me how much my monthly payment would be for what I qualify for?

These questions can help prompt an educational discussion with potential lenders that keep you informed and aware of your options and the loan process when purchasing a home.

Ready to start? Contact us for a list of the lenders we trust and work with. Once you have your pre-approval, we’re ready to start the home search process.

 

Exterior Projects That Net You Cash

Thinking about making improvements to your yard? Here are the projects that provide the greatest return when you sell based on the 2018

Remodeling Impact: Outdoor Features report.

  1. Landscape Maintenance = 100%
  2. Overall Landscape Upgrade = 83%
  3. Tree Care = 100%
  4. New Wood Deck = 80%
  5. New Patio = 69%
  6. Landscape Lighting = 50%
  7. Fire Feature = 67%
  8. Irrigation System = 86%
  9. Outdoor Kitchen = 71%
  10. New Pool = 43%

Many times owners think that they’ll get more bang for their buck with improvements than they actually will. This infographic helps guide owners with what improvements can generate the highest returns.

Want to know what your home is worth? We can provide you with a FREE Home Valuation.

5 Tips on Safeguarding Your Home During Open Houses

This the season for open houses. We want to protect you guys with some great tips during an open house that you may or may not have thought about:

1. Hide or remove any documents (bills, credit cards…etc.) that have private information

2. Lock up or remove jewelry, antiques, keys, garage door openers, etc.

3. Don’t think your top dresser door is safe – Don’t hide anything in your top drawers

4. Lock up your medications and prescriptions

5. Make sure your Realtor signs everyone in before touring the home

When working with real estate professionals, it’s important to choose someone who knows the area and is an expert in the market.

At Waypointe Realty, we strive to stay educated about our market and understand our sellers and buyers, their needs, and how we can best serve them in one of the most important decisions they’ll make. Tips like these are just some of the ways we take care of our customers every step of the way.

Typical Closing Costs When Buying a Home

It’s an exciting time when buyer’s are ready to purchase a home, but many times they forget to consider the costs beyond just the down payment. Closing costs can be scary because of the unknown. So we want to help clarify the unknown for you.

Typical closing costs for a buyer are: Continue reading “Typical Closing Costs When Buying a Home”

Why Stage Your Home and the Best Rooms to Stage

iHeart Realty by Waypointe Realty is a fun, engaging show that brings you real estate news through authentic, clear messaging, giving you what you need to know about today’s real estate market, home design tips and tricks, and events happening around town with your hosts, Jenelle Ferrer and Hilda Hernandez.

4 reasons why you should stage your home when selling & the 6 rooms in your home that you should be focused on! Continue reading “Why Stage Your Home and the Best Rooms to Stage”

How do I register for Florida Homestead Tax Exemption?

How to File for Florida Homestead Exemption

Central Florida Homestead Exemption

As a Florida resident, one of our perks as homeowners is being eligible for a Homestead Exemption on your home, condominium, co-op apartment, and certain mobile home lot if it qualifies. The Florida Constitution provides this tax-saving exemption on the first and third $25,000 of the assessed value of an owner/occupied residence.

We’ll break this down for you.

Continue reading “How do I register for Florida Homestead Tax Exemption?”