Underpinned homes

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  • No blanket refusals – every case examined individually.
  • We cover any age of property.
  • Defaqto 5 Star rated.
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Underpinned house insurance

Insuring an underpinned house

Owning an underpinned home – known in the insurance industry as a Previously Underpinned Property or PUP – can be a headache when it comes to buying home insurance. Mainstream insurance providers will either refuse to provide a quote or quote a very expensive price with a very long list of exclusions and conditions. This is because insurers use the fact of the property being underpinned as an indicator that subsidence might happen again.

Ready for a refreshing change?

When you apply for home insurance for your underpinned home with us, you’ll experience a breath of fresh air. Firstly, you enter all your details into the online quote form. Then one of our in-house underwriters will assess your property and the risk of repeat problems occurring and then offer you a tailored policy at a competitive rate. This process typically takes only a couple of days.

Underpinning your home

Types of underpinning

Understanding the different ways in which your home's foundations can be strengthened.

Read the article

To get a quote, you'll need to know:

  • Facts about the building’s history including the year that the building was underpinned.
  • Details of all claims made, including those relating to any subsidence events.
  • What was the cause of the subsidence.
  • If there has been any ground movement since the event.
  • If you any documentation to confirm that there have been no problems since the previous ground movement event, then you will be requested to provide that.

Excellent levels of cover

Home insurance offered by HomeProtect is rated 5 Star by Defaqto, an independent financial research company. This indicates that the policy includes excellent levels of cover for a wide range of features, in fact one of the best offerings in the market, letting you relax in the knowledge that your home insurance will help out should the worst happen.

What our customers say

Your questions answered

I’m thinking of buying an underpinned house – will I be able to insure it?

HomeProtect will almost certainly be able to insure an underpinned house. Before contacting us to get a quote, make sure you know:

  • Facts about the building’s history including the year that the building was underpinned.
  • Details of all claims made, including any relating to subsidence events.
  • What the cause of the subsidence was.
  • If there has been any ground movement since the event.
  • Whether there are any documents confirming that there have been no problems since the previous ground movement event.

How much does underpinning cost?

The cost of underpinning a house varies considerably depending on the size of the property and the underpinning technique used. A suitably qualified structural engineer will be able to give you an indicative price for the cost of underpinning foundations.

Do underpinned houses sell at a discount?

The simple answer to this is ‘it depends’. Other factors such as its condition, interior décor, garden and, of course, how much of a hurry the vendor is in to sell will play a key part in determining the eventual selling price too.

My house has been underpinned. Do I need to disclose this when I sell it?

If you don’t disclose major building works that you know have been carried out to your property then you could be taken to court later for misrepresentation.

Does underpinning need planning permission?

As a general rule, you should not require planning permission to complete any maintenance on your foundations, but building regulations will still apply

One notable exception to this rule arises if your property is listed or situated in a 'designated area' (such as a conservation area, national park or area of outstanding natural beauty), whereby you should check with your local planning authority before any works are undertaken.

I had to make a claim in January of this year. From my very first phone call I had complete and total help from the staff. My claim was dealt with efficiently and quickly. I am very impressed!
21 Feb 2017

Mrs Dermott, Liverpool

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