Compare Subsidence Insurance

Whatever the extent of your subsidence damage, find the right subsidence insurance for your needs from the panel of specialist insurers.

  • Full cover for underpinned properties and listed buildings
  • Twenty-four hour claims hotline and counselling support
  • Domestic assistance helpline
  • Contact advice for tradesmen
  • Discounts for alarms and security locks
  • Discount when you take out both buildings and contents cover
  • Easy payment methods by credit card, debit card or direct debit
  • No-claims bonus

If you have previously experienced subsidence or your house is underpinned, your existing insurers want £1000’s (if they will a quote) and you are finding it almost impossible to get any alternative quotes then this site is here to help you.

By comparing specialist subsidence insurance providers who can provide you with tailored cover at competitive premiums you dont need to look any further!
button-compare-prices


How it works


What is subsidence and how do I get subsidence insurance?

Subsidence is the motion of a surface – road, driveway, garden path, etc – downward relative to its normal position causing cracks, collapse, disjointed and unsmooth foundations which support your property.

Insurance for this type of a problem will usually cover your property on normal terms so that your rebuilding costs are not affected. However if your property is at risk of subsidence then it could help to compare quotes from specialist insurers who cater for subsidence.

The seasonal influence

It has long been known that prolonged dry seasons can be a major causative factor of subsidence – this is due to a loss of moisture causing shrinking and swelling within the soil, this particularly affects clay soils.

If you have a property with a number of trees and shrubs close to the house – this can further worsen the problem. In dry seasons, your trees will extend their roots looking for moisture in the soil; this further reduces moisture content and causes the soil to shrink.

Although it is quite rare, subsidence can also be caused by your property being close to mine workings.

Who needs cover for subsidence insurance?

Any insurance company will ask you whether your property shows any signs of cracks or subsidence – if the answer is yes, you should avoid the lengthy application process and seek a broker specialising in these risks. Otherwise, you could spend hours on the phone talking to people who can’t help.

If you’re unsure to the degree of cracking/subsidence, you might want first to seek a tradesman who can better advise. However, a specialist insurer may be able to send out an engineer to assess the state of the property so that cover can be tailored to your needs.

What’s the big deal about subsidence?

The problem with subsidence is that it indicates that there are flaws with the foundations of your home – this increases it’s susceptibility to structural damage and also increases the costs of repair since ground work and restructuring costs insurers hundreds of thousands of pounds.

Therefore, many insurance companies will steer clear of these risks and opt for the simpler, less riskier properties.

What to look out for?

The most obvious beginning signs of subsidence is the appearance of cracks. Not all cracks indicate that there is a problem – however, what should be looked out for are small, usually diagonal, cracks which suddenly appear in plaster work inside and outside breaks at weak points. Weak points include around doors and windows, especially after periods of dry weather.

This could possible indicate movement in the building’s foundations. The cracks will typically be larger than a 10p coin; also doors and windows might “stick” due to the distortion of the building.

Quality Underpinned Insurance

By nature some homes unfortunately are underpinned which means they may suffer from subsidence that can obviously be a great risk. With this in mind not all insurance brokers will provide home insurance, they may consider it too much of a hot potato. Thankfully there are our panel of reputable insurance providers will provide a full range of insurance cover to owners of properties that are underpinned to take care of any mishaps.

Request A Quote

Why not request a quote online by completing an underpinned insurance application form by using the helpful step-by-step instructions, it’s free to do and will only take a matter of minutes, once complete you can expect a swift range of subsidence insurance quotes by return. Rest assured every underpinned home insurance quote always receives the attention of a professional underwriter. As you’d expect from a panel of the leading specialist home insurance providers in the UK, cover includes many of the following:-

  • Full cover for underpinned properties and listed buildings
  • Twenty-four hour claims hotline and counselling support
  • Domestic assistance helpline
  • Contact advice for tradesmen
  • Discounts for alarms and security locks
  • Discount when you take out both buildings and contents cover
  • Easy payment methods by credit card, debit card or direct debit
  • No-claims bonus

Making A Claim

In the event of having to make a claim just have your insurance documents at the ready and ring a claims hotline as soon as possible. An insurance team will take all of your details and then begin the claims process efficiently and professionally.

Discounts

The panel of specialist subsidence insurance providers offer numerous discounts for underpinned insurance; there are often new customer discount incentives as well as discounts for when you come to renew your policy.
button-compare-prices

Pin It