New Zealand Law
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This can depend on the contract. Many contracts provide that title passes when the good are paid for. So the first step is to see if this term is present, and that answers some, in that when the owner pays for the items, title passes. If there is no such term then the title would pass on delivery to the site. If the contractor ordered the items and they were delivered to the contractor on the site, title would pass on installation. So if they were laid, but not yet connected my opinion is they then belong to the owner. Risk however sometimes is mentioned in the contract, and may not pass until practical completion. So then you need to look at the head contract.
If the contractor ordered the pipes, and has care of the works then it would be their insurance which has to be used, in my opinion