Find out what to do, from detecting the first signs of subsidence to solving the problem forever. You should generally conduct a thorough examination of the cause of the loss or damage caused by the subsidence. Monitoring over 12 months is sometimes useful because all seasons are covered. However, when a crack occurs, it does not necessarily mean a lowering. Many properties experience cracks from time to time, but rarely this is caused by subsidence. The most common causes of cracks may be: If you suspect that your property has suffered downward damage, contact your insurer as soon as possible. They will advise you on the next steps. If so, your insurer can send a specialist/engineer to your home to examine the damage caused by the subsidence and determine the cause. Slumping is the downward movement of the ground under a building that is not caused by the weight of the building itself. Most real estate insurance is covered, but coverage limits vary between insurance providers and most of them are subject to a mandatory deductible. Clay shrinkage is one of the most common causes of subsidence.
Clay consists of about 30% to 35% water, so the earth can dry out with a high clay content, due to the nearby vegetation that sucks up water, especially during long and hot summers. The volume of the soil decreases and the foundations of the building sink. If the customer was aware of reductions when the new policy was taken over, but did not disclose them, the current insurer may still be able to cancel the policy due to substantial non-disclosure. The Association of British Insurers (ABI) has reached an agreement with all its members to have your current insurer responsible for processing the debt if a reduction is found within eight weeks of the change of supplier. The most common cause of subsidence is shrinking soils, especially tones, because moisture is extracted from it. Often this can occur as a result of tree roots growing under the ground, which becomes more likely in prolonged periods of hot and dry weather conditions. Your real estate insurance usually covers you for damage caused to the structure of your property and your outbuildings by decreases.