Are You Worried About Signs of Subsidence?
Subsidence is a word that will strike fear into the mind of any property owner. If your property is showing from signs of subsidence, do not panic just yet as there may be help available to you.
If you have spotted signs of subsidence around your property then you must take action before the problem becomes worse. Most home insurance policies will offer cover for subsidence and there are also companies that who are willing to give you a helping hand. This may ensure that your insurer fully compensates you should you need to submit an insurance claim.
If you have spotted signs of subsidence then you must take action before the problem becomes worse. Most home insurance policies will offer cover for subsidence and there are also companies that who are willing to give you a helping hand to ensure that your insurer fully compensate you should you need to submit an insurance claim.
What Exactly is Subsidence?
The short answer, subsidence occurs when the ground below your property becomes unstable causing the foundations to move causing a downward movement of the ground that supports your property.
Many owners of newly built properties make the mistake of thinking that their home is suffering from subsidence because of new cracks that appear shortly after gaining possession. Tell tale signs are usually cracks in plasterboards and is the reason why you are not recommended to decorate straight away.
This is usually nothing to worry about as new buildings and their foundations need a little while to settle down (settlement). In fact, there are very few newly build properties that do actually suffer from subsidence.
What are the Causes of Subsidence?
One of the main causes of subsidence occurs in the summer due to dry weather. Clay and soil can shrink due to a lack of moisture. In turn, this can lead to downward movement of your property.
Trees and vegetation can also cause subsidence. Not only do you have to worry about large tree roots growing beneath your foundations, they can also absorb the moisture within the clay soil and cause it to shrink.
Leaking and damaged drains can be a real problem and a major cause of subsidence. If a drain is damaged and leaking into the soil below your property, it can wash away any subsoil underneath your foundations.
Finally, if you live in an area where there has been mining activity in the past, your property could have been built above the mine and susceptible to subsidence. This may also be the case if your property was built above a landfill site.
Making a Subsidence Insurance Claim
If you feel that you have identified signs of subsidence around your property you need to act fast in order to limit and prevent further damage. Now may be the time to get in touch with your insurance company and start a subsidence claim.
This can be quite daunting because the chances are you have never had any experience in subsidence claims and will not know what to expect. Your insurer may even ask you to get a few quotes to repair the damage or offer you a settlement figure to put things right.
Help with Subsidence Claims
As you probably aren’t a qualified builder, surveyor or structural engineer you will not know if the settlement that your insurer is offering is enough? DO NOT WORRY because there is help out there. Property Defects are a nationwide company who can manage the whole subsidence claims process on your behalf.
Property Defects are a group of loss adjusters, surveyors and structural engineers who can completely manage your subsidence claim. Once you appoint Property defects they will negotiate with your insurance company to ensure that you receive your full entitlement. If required, they can also recommend reputable building companies who can repair your subsidence damaged property. For more information regarding the services that Property Defects can offer visit their website.