Properties with Subsidence History

property insurance

Properties with Subsidence History

If you live in or are considering buying a property that has had repairs carried out on the foundations due to historic subsidence, ground heave or landslip, you will need to consider the insurance implications carefully as many insurers will not offer cover. However, we can provide cover for most buildings:-

If the repair works are on going

We can offer full perils cover excluding subsidence, but damage that occurred before cover commenced will not be included. Once the works have been completed, a certificate of structural adequacy and/or a structural survey will be required to include subsidence cover.

Previous underpinning or repairs less than 15 years ago

We can offer full perils cover subject to an acceptable certificate of structural adequacy and/or a structural survey.

Previous underpinning over 15 years ago

Whilst many Insurers refuse to provide cover for subsidence, if the damage occurred over 15 years ago, this can often be considered without the need for supporting certificates or surveys.

So whether your home has ongoing problems or has been previous underpinned (PUP) at some point in the past, we can offer you a carefully considered bespoke insurance solution.

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