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Subsidence and home insurance
Changes underground can cause incredibly serious problems to your
house. Subsidence can turn the dream property into a nightmare, and
costs to repair the situation can easily run into thousands. Most buildings
insurance policies cover subsidence, but often there is an excess of
£1,000. It is worth fully investigating the wording of your insurance
policy when it comes to subsidence to establish exactly what you are
covered for.
Houses will generally subside for one of the following reasons:
Clay under a house shrinks during summer, and when it gets wet it
expands. This can cause foundations to move, and upsets the structure
of the house. Interior walls made of plaster can crack.
Unstable land caused by previous land use. This can include subterranean
mining, water-extraction, tunnelling, or landfill. Much of the land
in places like the United Kingdom has previously been dug for some
reason or other.
If you think that your property has subsidence, it is important to
investigate the problem and act immediately.
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