As a home inspector, I often take shut-off valves for granted and assume everyone knows what they are, how they work, and what can go wrong with them. I recently had a client share a story with me regarding some problems he ran in to with the shut-off valves at his house - we'll call him Sir Walter Raleigh. Walter thought that some of the problems he ran in to while replacing his water heater were things that most homeowners don't think about or know about, and would make for good blog fodder. I agreed.
Gate Valves
Walter's woes began when he tried to shut off the water to his water heater. All water heaters are supposed to have a shut-off valve on the cold water supply. If the water heater is going to be replaced, this is where the water gets shut off.
Some homes also have a valve on the hot water side of the water heater - these aren't required, but they're also not a problem. They just make it a little easier to service the water heater. I've heard some home inspectors call shut-off valves on the hot side of a water heater a safety hazard, but they're not. They're fine.
As you may have guessed, Walter couldn't shut the water off completely. He had an old gate valve at the water heater, and the gate valve was fouled - it shut off most of the water, but most isn't good enough. A gate valve has a round handle on it, and shuts off the flow of water by essentially closing a gate. The three photos below show a gate valve in the open position, halfway open position, and fully closed position.



As you can see, the handle never goes up and down as the gate opens and lowers; for this reason, it's impossible to know if a gate valve is in the open or closed position just by looking at it. The exploded view below shows what the guts of a gate valve look like.

When the gate valve at the water heater wouldn't completely shut off the flow of water, Walter decided he better replace the valve. He tried to shut the water off at the main shut-off valve for his house, located downstream from the water meter. That valve was fouled too. Next, he went to the other main valve for his house - the one upstream from the water meter. Can you guess where this is going? That valve was also fouled. Three fouled gate valves, no way to completely shut off the water to his house. It's a good thing this was only a 'project' and not an emergency.
Do you know where the main shut-off valve to the water supply in your home is? If not, take a quick peek at your home inspection report - home inspectors are supposed to report on the location of the main water and main fuel shut-off valves. For most buildings in Minnesota, the main shut-off valve is located in the basement near the front of the building. If there is no basement, the valve will probably be located in the furnace room.

Curb Stop
To continue with his project, Walter had to replace his main shut-off valves. To do this, he needed to call the city water department and have them turn off the water to his house at the street. The first shut-off valve to a home's water supply is located below the ground near the street - this is call the curb stop, or the curb cock. Sometimes the valve is buried in the dirt, and sometimes they've completely covered in concrete. The photo below shows an example of an access cover located in the front yard.