Subsidence Claims: Do You Need Help With Your Insurance or Warranty?
Why Choose Us?
When it comes to subsidence claims, between our loss adjusters, surveyors and building experts, we have a wealth of experience. Being a group of industry experts, over the years, we have managed a wide range of subsidence insurance claims on behalf of our clients. This is why we decided that if we pooled all our expert knowledge together to bring you Property Defects. We can offer a subsidence claims management service that is second to none.
By appointing us, you will access you will have access to our surveyors who will be able to identify the causes, the amount of damage and how much it will cost to repair your property. We can then put you in touch with specialist loss adjusters. They will then be able to negotiate a fair settlement with your insurance or warranty provider on your behalf. If required, we can then introduce you to specialised building contractors who focus on subsidence remediation.
For Subsidence claims you are in no safer hands than with Property Defects.
The Effects of Subsidence and Submitting an Insurance or Warranty Claim
Building structures actually often move naturally, but these movements are of such a small magnitude that they are not noticeable. However, movement can also be caused by defects within the foundation of the building. This results in the cracking of the building itself. The cracks can both be visually unattractive and worrying for the owners and occupants of the building. In addition, these are likely to worsen over time. If left untreated can compromise the integrity of the building’s structure.
These Are The Four Main Causes of Subsidence
- The proximity of trees to the property.
- The underlying ground.
- The age of the property.
- Poor workmanship during the construction of the property.
Properties built prior to 1965 were usually built with shallow foundations. This resulted in making them more vulnerable to subsidence.
Subsidence can become more noticeable during long, dry spells of weather due to the shrinkage of soil beneath the property.
Evidence of Subsidence Can Include But Are Not Restricted To The Following:
- Sticking of doors or windows.
- Rippling of wallpaper, especially in corners of rooms.
- Cracks appearing after long, dry spells of weather.
- Appearance of cracks in walls, ceilings and exterior brickwork.
You may notice doors or windows sticking where they did not previously. This can indicate movement of the building. In extreme or advanced cases, windows may become cracked or broken.
Altered appearance of internal decoration can indicate movement of the building. Wallpaper may ripple or plaster crack. You may notice this particularly in the corners of rooms.
Long, hot or dry summers in particular can cause the ground to shrink as it dries out. This allows movement of the sub structure, which can then transfer to the super structure: i.e. the building itself.
You may have noticed horizontal cracks in external brickwork that might also be visible inside the building. This is one of the most common signs of subsidence, although the appearance of vertical cracks should not be ignored as they too can indicate subsidence.
Property Defects are experts in dealing with Property Subsidence Claims. Call our expert insurance claims management team today on 08000 433 999
What Can Be Done To Treat A Property Damaged By Subsidence?
Once the proximate cause is established, the most usual course of treatment is underpinning the foundations in order to add to the depth of the foundation; this procedure will increase the stability of the building, but this is a last resort and expensive to execute. It is also highly involved, can be disruptive to occupants and can only be carried out by specialists.
Unfortunately, many insurance companies feel that nowadays their most cost-effective solution is to use a light mechanical repair of the cracks to try to prevent further damage and to address the decoration issues. This does not always solve the problem and in many cases, the damage reoccurs, resulting in the policyholder having to endure further disruption and inconvenience whilst insurers plan their next proposal.
Property Defects' Role In The Subsidence Claim Process
We identify the actual cause of movement of a building and take specialist advice from engineers as to the correct long-term solution for the problem. In representing the property owner we ensure that insurers fulfil their obligations under the terms of the insurance policy or warranty and acquire an equitable solution to return the owner to a pre-loss position.