Home / Subsidence Insurance / No nonsense guide – How to spot subsidence and sort it

  • Jason McClean
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Subsidence insurance

Subsidence insurance is your best defence against subsidence

THIS is a no nonsense guide to property subsidence, how to spot it and how to deal with it.

How you spot subsidence

If there is a big crack running down your wall (inner or outer) then you need to get it checked. This is a major indicator, although not all cracks will be subsidence. Thermal heating and cooling may crack some internal breezeblocks for example. But generally, if you’ve got a crack in the wall you are at high risk of having subsidence.

Separation is another sign of subsidence. This is similar to a crack but may be bricks obviously moving apart with big gaps. So they are not cracked or broken, but the mortar has failed and there are separation gaps. That’s another sign of subsidence.

There are guides that tell you if it less than a couple of centimetres then it may not be subsidence, or to look for it spreading out the further up the property goes. These are all valid but all you need to know is if there is a crack or separation then get it checked out quickly.

What causes subsidence?

In most cases it is water that causes subsidence. It works away at the ground underneath or around your property and washes it away. Your house then moves and that is when subsidence can occur. In catastrophic cases, walls can collapse.

And don’t go chopping down trees. Yes, if they are too close to your property the roots could cause some heave, so the rule of thumb is a 5metre distance for a typical small tree. Increase distance for bigger trees. You don’t want to chop them down because they are using the water in your vicinity to grow and if you take it away, the water could be more destructive.

How do you fix subsidence?

There are various engineering solutions for subsidence, perhaps the most common being underpinning. Even extreme cases can normally be fixed, but at a price.

How should you deal with subsidence?

Unless you see lots of properties around you falling down and splitting apart, it is difficult to tell whether yours could suffer from subsidence or not, it’s a nightmare lottery.

The best way to deal with subsidence is not to worry about it and make sure you have good subsidence insurance in place. That means if you suffer from subsidence your insurer will pay out to have it fixed. When the fix could cost tens of thousands of pounds that makes insurance the best solution. You should expect an excess charge of around £1000 on most subsidence claims. Much more than that and you should look elsewhere.

How to buy subsidence insurance

Simply go to www.thepropertyinsurer.co.uk and click on the subsidence insurance button and then ‘Get a Quote’. Fill in the one form that takes two minutes and then you’ll get three of the best UK providers fighting for your business and driving down the cost of your insurance. These experts are brilliant if you have ever suffered subsidence in the past – or if you just want to make sure you are properly insured.

That’s your no nonsense guide to subsidence insurance. I really do hope you never suffer from it but if you do, make sure you have the right insurance in place and life will be much easier for you.

Jason McClean

The Property Insurer



I am a director of the Property Insurer and Property Landlord. We tell it how it really is. Yes property insurance can be boring , but our job is to make it more interesting, useful and above all save you money!

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