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Articles in Subsidence

Does Home Insurance Cover Subsidence?

Does Home Insurance Cover Subsidence?

Michael Muzio
By Michael Muzio
Published on 7/10/2026

Subsidence has a fearsome reputation, and the numbers behind it explain why. The Royal Institution of Chartered Surveyors puts the cost of underpinning a home at £10,000 to £75,000, the kind of figure that makes any cracking wall feel like a crisis. The reassuring part, often lost in the worry, is that RICS estimates fewer […]

How Long Do You Have to Declare Subsidence for Insurance?

Michael Muzio
By Michael Muzio
Published on 7/9/2026

Subsidence is one of the most damaging ground problems a UK home can face, and the risk is growing. The British Geological Survey projects that the share of British properties highly likely or extremely likely to be susceptible to clay shrink-swell could reach around 11% by 2070 under a higher-emissions scenario, as hotter, drier summers […]

Subsidence Insurance Common FAQs

Michael Muzio
By Michael Muzio
Published on 6/15/2023

Subsidence to a UK home can cost hundreds of thousands of pounds to correct and many homes are affected by it each year. Here are some ways to identify subsidence and stop it from happening to your property. What is Subsidence? Subsidence is a problem that affects many UK properties and yet most people don’t […]

Subsidence Explained

Michael Muzio
By Michael Muzio
Published on 6/15/2023

Subsidence is the process of the ground underneath a property collapsing or shrinking and impacting its foundations. The opposite is called heave where the ground underneath expands pushing the foundations up. Either way the result is part of the property moving causing cracks to appear in the walls. This is not the same as settlement […]

Common Causes of Subsidence

Michael Muzio
By Michael Muzio
Published on 6/15/2023

Subsidence is the movement of ground below a building’s foundations. It can cause varying degrees of damage and often result in huge costs and inconvenience (FAQ) Ground subsidence is a major problem for homeowners. It can happen anywhere, at any time, and for many different reasons. Potential homebuyers and builders should therefore be aware of […]

Signs of Subsidence: Identifying and Understanding Key Indicators

Michael Muzio
By Michael Muzio
Published on 6/14/2023

Subsidence refers to the downward movement of a building’s foundation due to changes in the underlying soil, which can lead to significant structural damage if not addressed promptly. In the UK, there are several common signs of subsidence you should be aware of: Common Signs of Subsidence 1. Cracks in the Walls One of the […]

Subsidence Claims In My Area: UK Guide

Michael Muzio
By Michael Muzio
Published on 6/14/2023

In the UK, property owners often face certain challenges that seem quite unique to the different regions of each country. One such issue is subsidence, a problem that can seriously impact the structural integrity of a building. In this article, we’ll discuss what subsidence is, how it affects your property, and how to handle subsidence […]

Navigating the Purchase of a House with Minor Subsidence: A Detailed Guide for UK Buyers

Michael Muzio
By Michael Muzio
Published on 6/14/2023

Owning a home is a dream cherished by many. However, the journey from house-hunting to homeownership can be peppered with numerous challenges, one of which might be encountering a property with minor subsidence. This need not be a deal-breaker. In fact, armed with the right information and advice, you can successfully navigate the process of […]

Cracks in Walls: When You Should Be Concerned

Michael Muzio
By Michael Muzio
Published on 6/14/2023

Understanding Wall Cracks: The Basics Cracks in walls are quite common, particularly in older properties. They can be a benign consequence of a building settling over time, but they may also be indicative of more severe structural problems. Here, we aim to provide you with a comprehensive understanding of when to worry about cracks in […]