Does my home insurance cover subsidence?
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 they’ve been damaged, unless the main structure of your home has been damaged at the same time by the same cause.
Most buildings insurance policies only cover the cost of repairing the loss or damage caused by subsidence, they don’t cover the cost of preventing further subsidence.
Terms and conditions vary among insurance providers, so read the small print carefully to see what is and isn’t included. Never assume that you’re automatically covered.