What is subsidence?
Subsidence is the downward movement of the site on which a building stands -where the soil beneath the building’s foundations is unstable. The movement is not caused by the weight of the building. (FOS online technical resource)
What can cause subsidence?
- Escape of water (burst pipes, cracked drains)
- Clay Shrinkage (Drying out due to plants and trees)
- Tree roots under the foundations
- Mining (Old disused mining tunnel collapse)
- Vibrations from passing vehicles
Am I covered by my insurance?
Most policies will include subsidence cover if the property has no previous history of it but there will have a higher excess (£1,000 average).
Can I get insurance for subsidence if my house has had a claim for subsidence in the past?
If there is a history of subsidence then you will need to get insurance from a specialist as most insurance companies will refuse to cover you.
What will I need to get insurance if there is a history of subsidence?
You will need all the information on the subsidence claim if you have it and at least one of the following documents.
- A Certificate of Structural Adequacy
- A Structural Buildings Survey
- A Structural Engineers Report (either Specific or General or both)
If you would like a quotation or have require any information please call us on 01375 848000.