underpinned house insurance
homeprotect can give you a competitive online quote for underpinned house insurance when you have had subsidence problems repaired in the past.
- Unique online quote and buy facility for Underpinned Property 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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When your house is diagnosed with a case of subsidence, the repair process can be costly and extremely disruptive to your life. But even when you have had subsidence fixed, the problems often do not simply go away and the impact it can have on your home insurance is significant. Many insurers will refuse even to hear you out once you mention your previous subsidence claims and dismiss your application without giving you a second thought.
We believe that living in a property that has been underpinned in the past shouldn't stop you from obtaining underpinning insurance. Our award-winning service is perfect for recent and historical underpinning (irrespective of underpinning method and materials) caused by subsidence and other non subsidence causes.
Home Insurance for Underpinned Property
If your house is underpinned for any reason at all, perhaps as a preventative measure when undergoing renovation, you are still likely to find the same difficulties when seeking underpinned property insurance. Underpinning is considered a “material fact” by insurance providers and as such you are bound by the duty of “utmost good faith” to disclose it on an application. Unfortunately, by disclosing that your house has been underpinned, you can be effectively dooming your application to fail. But this is not the case when you apply for underpinning insurance with homeprotect.
It is imperative that you do disclose everything when required though, as not doing so can leave you underinsured or invalidate your cover completely (you could even be committing fraud). Instead you should seek cover from a specialist home insurance provider like homeprotect. We can offer underpinned house insurance based on the risk your home faces today, we won’t treat it like it is still undergoing subsidence if you have a recent full structural engineers report stating that your property is no longer suffering with active subsidence.
With homeprotect you can also obtain quotes for subsidence insurance or for situations where you have encountered other types of historic ground movement such as landslip or heave.