Subsidence insurance

Subsidence and settlement are both types of ground movement that can affect buildings, but they occur due to different reasons.

Subsidence is the downward movement of the ground supporting the property, often caused by factors such as clay shrinkage, mining activities, or leaking drains. It can lead to structural damage over time. Settlement, on the other hand, is a natural process where a newly built structure’s weight causes the ground beneath to compact.

Settlement typically occurs evenly and soon after construction and, unlike subsidence, is not ongoing or progressive.

Signs of subsidence include new or expanding cracks in walls, especially around doors and windows, or cracks that are thicker than a 10p coin.

Doors and windows sticking for no apparent reason could also indicate subsidence. Properties built on clay soil, areas with a history of mining, or those with large trees and shrubs planted close to the foundation are at higher risk.

Regular property surveys and monitoring can help in early detection.

Subsidence insurance typically covers loss or damage to your property caused by subsidence, heave (upward movement of the ground), or landslip (downward movement of soil on a slope). However, it’s important to read the policy details carefully, as cover can vary between insurers.

Some policies might exclude certain causes or types of movement, so it’s crucial to understand the specifics of your policy and ensure it meets your needs.

Yes, Intelligent Insurance specialises in providing subsidence insurance even for properties with a history of subsidence. We assess each case individually, taking into consideration the property’s history and any preventive measures taken.

A Certificate of Structural Adequacy from previous works can support your application, and our team is here to help you find a policy that suits your needs.

If you suspect subsidence, contact your insurer as soon as possible after the incident. Remember to quote ‘Intelligent Insurance’ when prompted to. You can find your insurer listed clearly on your policy schedule which was included in your email policy welcome pack.
They will be able guide you through the process, starting with a professional assessment of your property.

If subsidence is confirmed, they’ll review your policy coverage and oversee the repair process, ensuring a smooth and supportive experience from start to finish.

To reduce your premiums with Intelligent Insurance, consider mitigating the risk of subsidence by maintaining your property, fixing any leaking pipes promptly, and ensuring proper drainage.

You might also consider increasing your policy excess.

Our team is dedicated to helping you find the most competitive rates and can guide you through your options to ensure you get the right cover at the best possible price.

Yes, we provide contents insurance for properties that have experienced subsidence. Our policies are specifically designed to offer comprehensive protection for the contents of your home, ensuring that your belongings are covered under all circumstances. Whether you’re seeking to bundle this with subsidence-related buildings insurance for a unified solution or prefer a separate policy tailored to your contents alone, we can accommodate your needs. Your home’s safety and your peace of mind are our top priorities, including in situations involving subsidence.