A collector core for a solar water-heating-system includes a plurality of heat-absorbing pipes each of which surrounds a cooler-water return-pipe. The heating-pipes may connect directly to an insulated hot-water storage-tank from which cooler water descends through the return-pipes into the heating-pipes. Upon reaching the end of the return-pipes, the cooler water flows outward into the space between the surrounding heating-pipes and the inner return-pipes. Upon warming, water between the two pipes rises upward back to the hot-water storage-tank thus completing the thermosyphon flow cycle. Preferably, the inner return-pipe is made of polyvinyl chloride ("PVC"), polybutelene ("PB"), or other compressible material which permits collector core operation both in freezing and non-freezing environments. Alternatively, the collector core may be added to an existing solar water-heating panel to improve its operation.