Insuring houses with a history of subsidence
- No subsidence in the last ten years? We can cover you!
- Signs of historical subsidence? No problem!
- Underwritten by AXA Insurance.
what is subsidence?
Subsidence is the sinking of a building’s foundations caused by downward movement in the ground, usually after soil under the building dries and shrinks in hot weather, or when underground pipes leak and weaken the soil beneath the foundations.
Signs of subsidence may include cracks in the walls, ceilings and around windows or door frames.
Homeprotect can also cover landslip and heave.
Heave is the upward or sideways movement of the site on which the buildings and outbuildings are situated. Must be caused by swelling of the ground and not due to the weight of the building or settlement
Landslip is the sudden movement of the soil on a slope (or the gradual creep of a slope over time) on which the Buildings and Outbuildings are situated. The cause must be something other than the weight of the building or settlement.
do i need subsidence insurance?
Subsidence can often be repaired simply by fixing drains or removing trees, without too much time or cost. However, if subsidence were to cause significant structural damage to your home – which, unsurprisingly, can be expensive and stressful, subsidence home insurance could help cover some of these costs.
how much does subsidence insurance cost?
Subsidence insurance premiums are calculated on the perceived risk to the provider – based on a range of factors, including the value of the home and any history of subsidence.
This means there is no standard policy cost and premiums will reflect the value of cover provided.
However, compared with the potential costs of repairing serious instances of subsidence, home insurance can prove valuable for homeowners and landlords.
What’s covered by buildings insurance?
Having buildings insurance means you won’t be out of pocket if you need to repair or rebuild your home if it’s been damaged or destroyed.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Any buildings work we undertake is guaranteed for 24 months following a claim.
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Damage or liability arising out of the activities of contractors.
BUILDINGS Insurance Cover Levels
Our buildings insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £75,000
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Your subsidence Questions Answered
The following situations cannot be covered by Homeprotect:
– Where there is ongoing subsidence, heave or landslip claims or issues
– Where existing damage has not been rectified
– Where subsidence, heave or landslip has occurred within the last 12 months (although we may be able to offer cover, provided that the issue has been rectified, but excluding subsidence, landslip, heave damage)
– Where the property is within 200 meters of any cliff face, or in areas where coastal erosion is a concern
The Association of British Insurers (ABI) has an agreement with all its members that if subsidence is identified within eight weeks of switching provider, your previous insurer has responsibility for handling the claim.
No, settlement and subsidence are not the same thing, and will require different insurance solutions that reflect the unique incidents or risks facing a property. While both terms refer to the downward movement of a building, they are caused by different factors.
Settlement is the downward movement of a property in the first 10 years of it being built, caused by the weight of the home. Subsidence, however, refers to the downward movement of a property caused by issues with the foundation under the home, such as trees growing under the property or drain leaks moistening the soil.
Yes, if your home has experienced subsidence, you will always need to declare this on your home insurance, even if it has been over 10 years since the incident. This is because many home insurance providers will refuse policies to homes with a history of subsidence.
Homeprotect is happy to quote for home insurance, even for properties with a history of subsidence.
The most common cause of subsidence is the shrinkage of soils, particularly clay types, as moisture is extracted from them. This often occurs as a result of tree roots growing under the property, which becomes more likely in extended periods of hot and dry weather.
Another common cause is drain leakage, where water escapes from underground pipes and washes away (or softens) soils so that they are no longer able to support the weight of the foundations. It can also occur as a result of a history of mining excavations beneath or around your home, so it is always worth checking for these before buying a property.
Underpinning means a solid foundation is laid below ground level to support or strengthen a building. This may be necessary due to subsidence, for instance, when the ground under a property moves and impacts its foundations.
Additional Cover Options
The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …
Legal expenses cover
The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.
Home emergency cover
The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …
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Our insurance experts are on hand if you have any questions.