Subsidence doesn’t only involve spectacular holes that make the news. Any building in an area where the soil has a high clay content could be at risk of subsidence.
Of course, insurance companies know all about this, and if your home is at higher than normal risk of subsidence, your insurance policy will include a higher excess than normal. In fact, most policies specify a higher excess for subsidence than other risks.
If you live in an area like this, the best way to avoid having to negotiate with the Loss Adjuster for a subsidence insurance claim is not to plant large trees or shrubs near the building. However, if there are already trees when you move in, you may need the Council’s permission to cut them down, so you’ll need to talk to them first.
It’s not always just a matter of cutting down the obvious trees, though. Allied Claims have encountered cases when repairs have been made only for other trees to cause more subsidence. In any case, trees aren’t the only reason for subsidence. Leaking drains beneath or near the house can also be a cause.
After subsidence has occurred and been confirmed, the first thing is for the cause to be determined. This is likely to involve a period of monitoring, which can be for as long as eighteen months, before any repairs are made. Only when you know all the facts can Allied Claims present your case to the Loss Adjuster.