What we do?
Subsidence is the downward movement of the site on which a building stands -where the soil beneath the building's foundations is unstable. The movement is not caused by the weight of the building.
Most household insurance policies - and some commercial property insurance policies - cover loss or damage caused by subsidence, heave and landslip. However, they only cover the cost of repairing the loss or damage. They do not cover the cost of preventing further subsidence.
This means the cost of repairing damage (such as cracks) to the building's superstructure is covered. But the cost of stopping the building from moving in the future is not covered.
In reality, to ensure an effective repair that will last for a reasonable period of time, the insurer will usually have to carry out work to stop the movement first (unless it has already stopped).
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