What do I do if I think my property is affected by subsidence?
If you think you’ve spotted some signs of subsidence either inside or outside your home don’t panic. Spotting them means that you can take some action to remedy the situation.
Contact your insurance provider at the earliest opportunity. They can arrange for a full survey if necessary to confirm whether or not it’s a genuine case of subsidence. Building insurance policies usually cover you against the costs of subsidence, though subsidence claims will usually have a higher excess than your standard policy excess, so check your policy documents.
Unfortunately, if subsidence is confirmed and even if the issue is resolved, you could still face higher insurance costs going forward.
Always check the terms and conditions in your policy when taking out a home insurance policy and read what subsidence cover you have. If you’re not sure what it means, or you want more information on it, give your insurance provider a call to discuss.
Use our home insurance comparison service to find the right policy for you.