Previous subsidence home insurance

Frontier may be able to arrange cover for properties that have previously experienced subsidence where appropriate documentation shows the issue has been resolved. Evidence such as a certificate of adequacy or a chartered surveyor's report may be required.

Subsidence refers to downward movement of the ground supporting a building which can lead to structural damage such as cracks in walls or foundations. Because these claims can be complex and expensive, insurers assess the property's history carefully before offering cover.

Insurers may request documents showing when the subsidence occurred, what repairs were carried out and confirmation that the issue has been resolved. Chartered surveyor reports are required or a certificate of structural adequacy.

Insurers look at factors such as the cause of the movement, whether repairs were completed properly, whether further movement has occurred and the surrounding ground conditions.

Costs vary depending on the perceived risk. Properties with a history of subsidence may attract higher premiums or a higher subsidence excess than properties without that history.

It can influence buyers because they may ask about the history and request supporting documents. If the repairs were completed properly and evidence is available, it is usually easier to reassure potential buyers.

Insurers typically consider claims history over several years when assessing new applications. It is important to answer all questions accurately when arranging cover.