Our Customers Love Us!

Home Insurance

Get a Quote

Get Quote

HomeProperty InsuranceHome InsuranceSubsidence Structural Problems

Subsidence Structural Problems

Subsidence and Underpinned Building Insurance

Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish.

Subsidence is usually said to be the downward movement of the ground that is supporting the building. Sometimes the damage is localised, affecting only part of the building, it other more severe cases, the whole property is affected, often with different parts moving in different directions. Other terms usually coupled with subsidence are : landslip, which is the movement of the property down a slope as the ground gives way and heave, which is the upward movement of the property.

Subsidence can occur in areas where there have been mine workings but in the main, it is more common on certain soil types. Clay soils are notorious for shrinking in periods of dry weather, and the shrinkage of soils can be a major factor in subsidence damage. Most insurance companies will know what soil is underneath your home as soon as you give them your postcode, The likely hood of subsidence will be factored in to their premium. However, they are also looking for secondary factors that might make a claim even more likely and thus many now include a ‘Tree’ questions with many insurance companies refusing to insure homes that have trees located too close to the building.

The poor tree is often cited as one of the main causes of subsidence damage but in most cases, Trees will not contribute to subsidence unless they are planted on a soil type that is known to dry out. Whilst it’s not possible to change your soil type a quick check online or on your survey will alert you to what is beneath your property, this will then enable you to make a decision on the care of existing Trees and the planting of new ones.

  1. Unless you plant a Tree, directly against your property, it is highly unlikely that it will on it’s own cause damage the property. Certain types of Tree planted in close proximity to a building can cause structural damage on there own as the truck grows.
  2. Damaged or leaking drains can be one of the first signs that you have a problem with Tree roots.
  3. Certain types of Tree can cause subsidence to walls, paths etc and in some cases garage blocks as these type of structures have little or no foundations,. In some cases a garage block can be damaged and the main property remains sound.
  4. If you soil is clay or in some cases peat based, you may need to be careful where you plant new trees and existing trees may need maintaining. It is best to seek expert advice before any program of maintenance is undertaken. In some instances, in dry periods the shrinkage of clay soil can be accelerated by Trees roots removing water from the soil.

When considering the planting of new trees or shrubs, it is best to adopt a policy of planting them at a safe distance and also, doing a little homework to establish what their fully grown height is likely to be. Safe distances, do vary from tree to tree from anything from 3.5 meters up to 20 meters for Oaks, Willows and Poplars. Always seek the guidance of an arboriculture company before planting trees.

Latest News & Advice

Woodworm Dry Rot

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

Types Door Window Locks

Types Door Window Locks

Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?...

Small Print Policy

Small Print Policy

All insurance policies of what ever description will contain terms and conditions, which some people like to refer to as small print. (Literally small printing containing terms & conditions that is difficult to read). In recent years most insurance companies have tried to move away from being associated with this type of document and great efforts have been made to make sure policy documents are written in plain English with full details of any onerous terms & conditions supplied before your commit to buying a policy. The Financial Services Authority, when deciding to regulate the insurance industry came up with a list of rules governing the sale of insurance. One of this rules stated that all potential customers were to be provided with a “Keyfacts” document which would provide key information relating to the contract of insurance on offer....

Why choose our specialist insurance cover?

Artboard 2 copy 18

Home Insurance from Assetsure icon-thin-chevron-down

Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available

Artboard 2 copy 20

Legal Assistance as Standard icon-thin-chevron-down

All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc.

Artboard 2 copy 21

Home Emergency as Standard icon-thin-chevron-down

All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply

Artboard 2 copy 22

£1,000,000 Cover for Buildings icon-thin-chevron-down

We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost.

Artboard 2 copy 17

Excellent service offered icon-thin-chevron-down

We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 6 days a week to assist you with your enquiries.


Instant cover and policies icon-thin-chevron-down

Most of our policies you can now buy online and receive instant documentation. Of course, you are more than welcome to call us and we can provide your cover over the phone