How the water system in a home works

After this lesson you can: recognise a combi boiler, a vented cylinder and an unvented cylinder, and say what each stores.

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Every survey follows the water. In at the stop tap. Through whatever heats or stores it. Out at every tap, shower and appliance. So the first job in any property is to find the stop tap, and the second is to work out how the water is heated.

There are three arrangements. The first is a combi boiler. It heats water only while a hot tap is running, so nothing is stored. HSE says the risk is further lowered with heaters like this, because there is no water storage.

The second is the traditional one: a cold water tank in the loft, feeding a hot water cylinder below. Water is stored twice, so there are two temperatures to hold. The cylinder at sixty degrees or above. The tank below twenty.

The third is an unvented cylinder, fed straight from the mains. Hot water is stored, but cold is not, so every cold tap runs on fresh mains water. Its valves are for a qualified engineer only. A survey looks and records. It does not adjust.

A question. You find a tank in the loft, and a cylinder in the airing cupboard. How many stored temperatures do you need to check?

Two. The stored hot water, and the stored cold water.

One more thing to establish: which cold taps are fed from the mains, and which from the tank. Water from a tank has stood before it reaches the tap. A tap used for drinking should be on the mains.

So: find the stop tap, then identify the system. A combi stores nothing. An unvented cylinder stores hot water. A tank and cylinder store both. Next: where legionella grows in a home.

The video is the short version. The full lesson is below. Or take it in the guided course, which stops to explain and to ask you questions.

The short version

HSE says: “Before assessing the risks, you need to understand the type of water system and its operation.” In a home that comes down to three questions. How is the water heated? Is any water stored, and where? Which outlets does each store feed? This lesson teaches you to answer them by looking.

Follow the water

Every home’s water makes the same journey, and a survey follows it in the same order:

  1. In. Water arrives from the street through the supply pipe and the internal stop tap.
  2. Stored or heated. Some of it is heated. In some homes some of it is stored first.
  3. Out. It leaves at the outlets: taps, showers, toilets, appliances, the outside tap.
  4. Away. It goes down the drain.

The stop tap

The internal stop tap, also called the stop valve or stopcock, shuts off the water to the whole property. Find it first. It tells you where the water comes in, and so where the journey starts.

Places to look: under the kitchen sink, in a ground-floor cupboard, in a utility room, under the stairs, in a garage, beside a downstairs toilet. In a flat it may be in a cupboard by the front door or in a service riser outside the flat. If you cannot find it, say so in the assessment. A landlord who cannot find the stop tap cannot shut the water off in a hurry, and that is a finding in its own right.

An internal stop tap with a brass handle, seen through a round hole cut in the back of a cupboard
An internal stop tap, behind a cupboard panel. They are often hidden like this. Check that it can be reached and that it turns.

The three ways a home heats its water

Almost every home uses one of three arrangements. Which one you are looking at decides what the rest of the survey has to check.

1. A combi boiler

A home with a combi boilerWater comes in from the mains through the stop tap. One branch feeds every cold tap directly. The other feeds the combi boiler, which heats water only while a hot tap is running and sends it straight to the hot taps. No water is stored anywhere.MainsStop tapCombi boilerheats as it is usedTaps and showerhot and coldcold waterhot water
A combi boiler. Cold water goes to every cold tap from the mains, and the boiler heats hot water only while it is being used. Nothing is stored.

A combination boiler heats water at the moment it is used. Open a hot tap, the boiler fires, and water is heated as it passes through. Close the tap and it stops. Nothing is stored.

How to recognise it:

A white wall-mounted combination boiler with a small display panel, pipes entering from below
A combi boiler. One unit on the wall, pipes in and out underneath, and no cylinder anywhere in the property.

What it means for legionella. This is the lowest-risk arrangement. HSE says: “The risk is further lowered where instantaneous water heaters (for example combi boilers and electric showers) are installed because there is no water storage.” The risk that remains is in the pipes and at the outlets: taps and showers nobody uses, pipework left behind by old alterations, and dirty shower heads.

2. A vented cylinder with a cold water tank

A home with a vented cylinder and a cold water tankWater comes in from the mains through the stop tap. One branch feeds the kitchen cold tap directly. Another rises to a cold water storage tank in the loft. The tank feeds a hot water cylinder below it, and often the bathroom cold taps as well. The cylinder feeds the hot taps. Water is stored in two places: the tank and the cylinder.MainsStop tapKitchen cold tapfrom the mainsCold water tankin the loftHot water cylinderstored at 60 °CBathroom tapshot, and often coldcold waterhot water
A vented cylinder. The loft tank feeds the cylinder and, in many homes, the bathroom cold taps. Water is stored twice, so there are two temperatures to hold.

The traditional arrangement, also called a gravity-fed system. A cold water storage tank sits high in the building, almost always in the loft. It fills from the mains through a float valve, like a toilet cistern. Water runs down from it by gravity into a hot water cylinder, where a boiler or an electric immersion heater heats it. A vent pipe rises from the top of the cylinder and bends over the tank.

How to recognise it:

A cold water storage tank wrapped in a black insulating jacket, standing on boards in a loft
A cold water tank in a loft, in its insulating jacket.
A hot water cylinder in an airing cupboard, with copper pipes and a pump beside it
A hot water cylinder in an airing cupboard.

What it means for legionella. Water is stored in two places, and each has its own rule in HSE’s guidance:

This system needs the most attention of the three, because it has the most stored water and the most that can go wrong with it.

Stop and thinkYou find a combi boiler in the kitchen, and a tank still sitting in the loft. What should you ask yourself?Show the answer

Whether the tank is still connected. When a combi replaces an old system, the tank is often left behind. If it is still full and joined to the pipework, it holds water that never moves. Lesson 4 covers what to do about it.

3. An unvented cylinder

A home with an unvented cylinderWater comes in from the mains through the stop tap. One branch feeds every cold tap directly. The other feeds an unvented hot water cylinder at mains pressure, which feeds the hot taps. Hot water is stored in the cylinder. No cold water is stored.MainsStop tapUnvented cylinderstored at 60 °CTaps and showerhot and coldcold waterhot water
An unvented cylinder. Hot water is stored at mains pressure and there is no tank in the loft, so every cold tap is on fresh mains water.

A modern stored system. The cylinder is fed straight from the mains and holds hot water at mains pressure. There is no tank in the loft. Hot water arrives at the taps with the same force as cold.

How to recognise it:

What it means for legionella. Hot water is stored, so the 60 °C rule applies. No cold water is stored, so every cold tap is on fresh mains water. The expansion vessel holds a small volume of water that barely moves. It should be included when the system is serviced.

Do not touch the safety valves. An unvented cylinder holds hot water under pressure. Its valves and its expansion vessel are for an engineer qualified to work on unvented systems. A survey looks and records. It does not adjust.

Other things that heat water

What it isWhat to know
Electric showerA box on the wall with its own heater. HSE says these “pose less of a risk as they are generally cold water-fed and heat only small volumes of water during operation”. The head and hose still need cleaning.
Immersion heaterAn electric element inside a cylinder. It may be the only heat source, or a back-up to the boiler. It has its own thermostat, under a cap on the cylinder. Electrical work is for an electrician.
Point-of-use water heaterA small heater under a sink or over a basin, serving one or two outlets. Some store a few litres. Record what it serves and whether it stores water.
Boiling water tapA tap with a small heated reservoir under the worktop, often with a filter. The reservoir and the filter both need looking after to the maker’s instructions.

Mains-fed or tank-fed: which taps are which

In a home with a loft tank, some cold taps are fed straight from the mains and some from the tank. The difference matters.

The kitchen cold tap should be on the mains, because that is the tap people drink from. A storage tank in a home is not built or looked after to the standard expected of drinking water. Bathroom cold taps in a gravity-fed home are very often on the tank.

Clues, not proof. A mains-fed tap generally runs with more force than a tank-fed one, and the difference is usually plain when you compare the kitchen tap with a bathroom tap. The only certain check is the plumber’s one: isolate the tank’s outlet and see which taps stop. If you cannot tell which supply a tap is on, record that you could not tell. Do not guess.

A stainless steel kitchen sink with the cold tap running
The kitchen cold tap. The one people drink from, so the one that should be fed straight from the mains.
Stop and thinkThe kitchen cold tap runs hard. The bathroom cold tap upstairs runs gently. What might that tell you?Show the answer

That the two may be on different supplies: the kitchen on the mains and the bathroom on the tank in the loft. It is a clue and not proof. Record what you saw, and record whether you were able to confirm it.

Outlets that mix hot and cold

You will meet three kinds:

Lesson 5 explains how to take readings at each kind.

What each system means for the assessment

SystemWhat is storedWhat the survey must check
Combi boilerNothingOutlet temperatures, unused outlets, redundant pipework, shower heads
Unvented cylinderHot waterAll of the above, and the stored hot water temperature
Vented cylinder and tankHot and cold waterAll of the above, and the tank: its temperature, lid, insulation, cleanliness and which outlets it feeds

Flats

A flat may have any of the three systems inside it. It may also take water from plant that serves the whole building: a shared tank, a booster pump, or a communal hot water system with a heat interface unit in each flat. If the water is stored communally, its temperature and condition on arrival are set by equipment you cannot see from inside the flat. Record what you find inside, and ask the freeholder or managing agent about the rest. Lesson 2 covers who is responsible.

Quick quiz

5 questions on this lesson.

Pick an answer and it is marked at once. Nothing is sent or kept.

1. What is the first thing to find in any property?
2. You open a hot tap and the boiler fires straight away. There is no cylinder anywhere. What system is it?
3. In a gravity-fed home, where does the hot water cylinder get its water from?
4. Which statement about an unvented cylinder is true?
5. What does HSE say about electric showers?

5 questions. Pick an answer to see whether it is right, and why.

In your own words

Answer each one before you open it.

Which of the three systems stores no water at all?

A combi boiler. It heats water only while a hot tap is running. HSE says the risk is further lowered where instantaneous heaters such as combi boilers are fitted, “because there is no water storage”.

You find a tank in the loft and a cylinder in a cupboard. What kind of system is it?

A vented, or gravity-fed, system. The tank feeds the cylinder, and often the bathroom cold taps too. Water is stored in two places, so there are two temperatures to check: the tank below 20 °C and the cylinder at 60 °C or above.

How does an unvented cylinder differ from a vented one?

It is fed straight from the mains at mains pressure, so there is no tank in the loft. It still stores hot water, which must be kept at 60 °C or above. Its safety valves and expansion vessel are for a qualified engineer only.

Why does it matter whether a cold tap is fed from the mains or from a tank?

Water from a tank has stood before it reaches the tap, so it arrives warmer and less fresh than mains water, and it carries whatever is in the tank. A tap used for drinking or cooking should be fed from the mains.

Why can you not use a thermostatic mixer shower to check the hot water temperature?

Because it blends hot and cold water before it reaches you. The reading tells you what the valve is set to, not how hot the system is. Use a plain hot tap.

Where this comes from

Every figure and every duty in this lesson was checked against these sources on 7 October 2026.

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