Help & Guidance
Subsidence Insurance Claims
Navigating a subsidence insurance claim can be stressful. We guide you through the entire process, working directly with your insurer to get your property repaired.
How Subsidence Insurance Claims Work
Most buildings insurance policies cover subsidence damage. If you notice signs of subsidence at your property — such as cracks in walls, sticking doors, or uneven floors — you should contact your insurer as soon as possible.
Your insurer will typically appoint a loss adjuster to assess the damage and may commission a structural survey. This is where we come in — as specialist subsidence engineers, we can provide independent assessments and carry out the repair work.
We work with all major UK insurers and have extensive experience managing claims from initial notification through to completed repair, making the process as smooth as possible for you.
The Claims Process
Report the Damage
Contact your insurer to report the suspected subsidence. Document any visible signs with photographs.
Insurer Assessment
Your insurer will appoint a loss adjuster or surveyor to inspect the damage and determine the cause.
Specialist Survey
A detailed ground investigation and structural survey is carried out to confirm subsidence and plan the repair.
Repair Work
Specialist contractors (like us) carry out the agreed repair — resin injection, underpinning, or other methods.
Reinstatement
Once structural repairs are complete, cosmetic reinstatement (replastering, redecorating) is carried out.
How We Help With Your Claim
Claim Support
We provide detailed reports and evidence to support your insurance claim.
Fast Response
We aim to survey your property within days, not weeks, to keep your claim moving.
Work With All Insurers
Experience working with every major UK buildings insurer.
Independent Assessment
Unbiased, professional opinion on the cause and severity of damage.
Frequently Asked Questions
Does my insurance cover subsidence?
Most standard buildings insurance policies include cover for subsidence, heave, and landslip. Check your policy documents or contact your insurer to confirm.
Will my premium increase after a claim?
Subsidence claims can affect your future premiums. However, resolving the issue properly with certified repairs and a completion certificate can help mitigate this.
How long does a subsidence claim take?
Timescales vary depending on the severity. Simple resin injection repairs can be completed in weeks, while more complex cases involving monitoring may take several months.
What if my claim is rejected?
If your insurer declines the claim, we can provide an independent assessment and report. Some cases can be appealed with additional evidence.
Do I need to pay an excess?
Most policies have a subsidence excess, typically £1,000. This is the amount you pay before the insurer covers the remaining cost.
Need Help With an Insurance Claim?
Get a free property survey and expert guidance on your subsidence insurance claim.
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