How to Identify Poly-B Pipe in Your Ontario Home

Most Ontario home insurers no longer cover water damage caused by Poly-B pipe failure, and some will not insure a home with Poly-B at all — or will charge a significant premium surcharge. If you disclose Poly-B at renewal and your insurer cancels coverage, you may have difficulty finding new coverage. Several major Ontario insurers (Intact, Aviva, Economical) have specific Poly-B exclusions. Get your policy reviewed if you have Poly-B — this is not a small risk.

Why Does Poly-B Fail?

Most Ontario home insurers no longer cover water damage caused by Poly-B pipe failure, and some will not insure a home with Poly-B at all — or will charge a significant premium surcharge. If you disclose Poly-B at renewal and your insurer cancels coverage, you may have difficulty finding new coverage. Several major Ontario insurers (Intact, Aviva, Economical) have specific Poly-B exclusions. Get your policy reviewed if you have Poly-B — this is not a small risk.

Poly-B Replacement Cost in Ontario (2026)

Most Ontario home insurers no longer cover water damage caused by Poly-B pipe failure, and some will not insure a home with Poly-B at all — or will charge a significant premium surcharge. If you disclose Poly-B at renewal and your insurer cancels coverage, you may have difficulty finding new coverage. Several major Ontario insurers (Intact, Aviva, Economical) have specific Poly-B exclusions. Get your policy reviewed if you have Poly-B — this is not a small risk.

Does Home Insurance Cover Poly-B in Ontario?

Most Ontario home insurers no longer cover water damage caused by Poly-B pipe failure, and some will not insure a home with Poly-B at all — or will charge a significant premium surcharge. If you disclose Poly-B at renewal and your insurer cancels coverage, you may have difficulty finding new coverage. Several major Ontario insurers (Intact, Aviva, Economical) have specific Poly-B exclusions. Get your policy reviewed if you have Poly-B — this is not a small risk.

Home Sale and Poly-B in Ontario

Ontario real estate disclosure laws require sellers to disclose known material defects — including known Poly-B plumbing. Buyers increasingly request Poly-B inspection clauses. A home with unreplaced Poly-B typically sells for $10,000–$30,000 less in the GTA market, depending on home size and buyer expectations. Replacing Poly-B before listing often returns more value than the replacement cost.

Poly-B Plumbing Ontario: Homeowner Guide 2026

Pro Tasker — Ontario Home Services
Services · Locations · Blog · Get a Quote · Contact