Environmental
A Utah property's disclosure statement reveals the presence of polybutylene plumbing. This is relevant because:
APolybutylene plumbing is required by Utah code in older homes
BPolybutylene pipes are prone to failure and may be uninsurable or require costly replacement✓ Correct
CPolybutylene is a hazardous material requiring environmental remediation
DPolybutylene adds value as a specialty material
Explanation
Polybutylene plumbing (common in homes built 1978–1995) is known to fail and cause water damage. Insurance companies may refuse coverage or charge higher premiums.
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Key Terms to Know
Private Mortgage Insurance (PMI)
Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.
EncumbranceAny claim, lien, charge, or liability attached to real property that affects its value or limits its use.
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
VarianceOfficial permission to use land in a way that does not conform to the applicable zoning ordinance, granted by a zoning board when strict enforcement would cause undue hardship.
State-Specific Concepts
Disclosure Requirements
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