THIS is a no nonsense guide to property subsidence, how to spot it and how to deal with it.
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 youÂve 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. ThatÂs 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.
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 donÂt 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 donÂt 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.
There are various engineering solutions for subsidence, perhaps the most common being underpinning. Even extreme cases can normally be fixed, but at a price.
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, itÂs 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 Â£1000 on most subsidence claims. Much more than that and you should look elsewhere.
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 youÂll 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 Â or if you just want to make sure you are properly insured.
ThatÂs 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.
The Property Insurer