What is subsidence insurance?
Subsidence damage to your property is usually included in your Buildings Insurance, but this normally only covers subsidence damage to the house itself.
Patios, garden walls and driveways aren’t usually covered if damage has occurs. However terms and conditions relating to subsidence vary from insurance provider to insurance provider so you should read the small print in your policy carefully to see what is and isn’t included.
Most buildings insurance policies only cover the cost of repairing the loss or damage caused by subsidence. They do not cover the cost of preventing further subsidence.
Subsidence cases are often complex - and involve expert evidence and technical data. They are among the claims that can take the longest time to resolve.