Underpinned house insurance FAQs

All your questions about underpinned insurance, answered online
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I’m thinking of buying an underpinned house – will I be able to insure it?

How much does underpinning cost?

Do underpinned houses sell at a discount?

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

Does underpinning need planning permission?


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 those relating to any subsidence events.
  • What was the cause of the subsidence.
  • 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?

This 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.

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.



Satisfied customers

Probably The best customer service experience that I've ever had from insurance company. When you called you get to talk to someone very quickly and very helpful and knowledgeable. My requirements were looked after in a very swift fashion. They're happy to cover my house upon purchase which has had underpinning works with only a quick underwriting review. I would highly recommend. Trustpilot, 22 May 2017
Best insurance company I've had, no bibble babble just straight to the point. Hassle free! Cheap and great customer service. Review Centre, 11 January 2017
Had to make a couple of changes from last year's policy... So spoke to the call centre who were absolutely brilliant.... very helpful, thank you. Trustpilot, 1 March 2017