Subsidence Home Insurance

The most important thing with a property that has, or is, suffering from subsidence is to have a structure report from the surveyor or engineer that did the fixing. This report must be presented to the insurer to prove the subsidence has been corrected and this will always be required. A specialist insurer will evaluate the risk on a case by case basis and make you an offer that is as fair as possible. This is because not all houses that have subsided are the same. However, you will pay a higher premium due to the history of the property.

If you don’t have a report you are unlikely to find an insurer who will offer you protection on a house that is sinking (or that you can’t prove is no longer sinking) at any price. The next best option is to take out buildings insurance that will not include subsidence cover. A good specialist insurer can provide standard building and contents insurance but they won’t pay out on any subsidence related claim.