subsidence insurance
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homeprotect can offer home insurance with subsidence cover, even if your property has a history of subsidence.
- Unique online quote and buy facility for Subsidence Insurance
- 97.5% of all circumstances quotable online
- If we cannot quote online, we can usually help over the phone
- Policies underwritten by AXA, (winner of the 2011 BIA Customer Care Award)
- UK team on the end of the phone
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House insurance with subsidence cover is a vital component of your home policy and this is still true if you have made a subsidence claim in the past and had problems repaired already. Suffering through an episode of subsidence can be an absolute nightmare. It is one of the most expensive types of claim you can make (both for you and your insurer) and, according to the Association of British Insurers, around 30,000 new claims are made on average every year.
Subsidence Home Insurance
Due to the high costs involved, most insurers prefer not to quote for people who wish to insure their buildings in areas that are perceived to have a high risk of subsidence and, at the very least, will charge an extremely high price if they do quote. Even more insurers will decline to offer a policy for properties with previous subsidence damage.
The disruption a serious case can cause to your life is almost inconceivable, with repercussions likely to last long after your subsidence issues have been addressed. Most insurers will not offer subsidence insurance to any property that has been diagnosed with subsidence, heave or landslip in the past, even when the subsidence was fixed decades ago. This fact can not only make it harder to sell your property on, but can also cause issues with your mortgage lender (as most lenders require you to have full home cover).
Subsidence is the downward movement of a property caused by a loss of support beneath its foundations. This could be the result of a reduction in the volume of subsoil, often resulting from an external factor. The three primary causes of subsidence are the extraction of water from high plasticity soils (by vegetation or climate), leaking drains washing subsoil away and poor original foundations. Whatever the reason for the movement, buildings insurance with subsidence cover is needed to allow you to investigate and repair your problems.
No matter what type of non-standard insurance requirements you have, homeprotect will listen to your case in full, and assess every subsidence case on its individual merits. When we give you a quote, you can be confident that it will be based on the information you give us today and not the risk faced while subsidence was still an on-going problem. homeprotect specialises in delivering home insurance with subsidence cover to people who are unable to get it anywhere else.
With homeprotect you can also obtain quotes if your property has suffered from other types of ground movement in the past such as landslip or heave and when you need previously underpinned house insurance.