Were you treated fairly and your subsidence damage claim settled reasonably?
If you’ve had a problematic Subsidence Damage claim within the last 6 years (home or business) and feel you weren’t treated fairly by your insurer, we can help you get what you are rightfully entitled to.
If your claim was both valid and credible and exceeds £3,000.00 in value, please complete the form and we will review your circumstances.
If we think we can help, one of our advisors will contact you to discuss your circumstances in more detail to determine how we might be able to assist in improving your claim situation.
This is likely to be introducing you to a specific bespoke loss assessing expert or if you prefer you can be contacted by multiple loss assessing companies.
If your situation has merit and the loss assessor is able to improve the settlement value of your claim, their services will be on a no-win no-fee basis so you have the reassurance there is no financial cost to you if your claim value cannot be improved.
Was your Subsidence Damage claim rejected unfairly?
There are numerous reasons why subsidence damage claims are rejected:
Incorrect information – If you gave wrong information at any stage (for example, previous subsidence damage that was not disclosed in your claims history), it could affect your claim.
Lack of due care – Building a structure to a poor constructional standard, for example, a new porch at the front of your property.
Defective design and construction – Your insurers advise that the damaged part or area of your property was not built in accordance with appropriate constructional standards and was therefore doomed to failure irrespective of ground movements. For example a new conservatory, garage or extension where it is said the
foundations were not constructed deep enough.
Cracking damage – This is the result of thermal movements and not the result of subsidence.
Policy Excess – The costs of your claim do not exceed the policy excess
New house warranty – The damage is covered by a new house warranty or some other form of indemnity: for example, damage to a new house which has the benefit of an NHBC or similar warranty or mining damage that might be covered by The Coal Authority.
Out of time – An insurer’s favourite reason when the policy states your claim must be notified within a certain time limit, often 30 days.
Pre-policy inception damage – Most insurance policies exclude damage which occurred before the commencement date of the policy.
Why might your subsidence damage claim be reduced?
Under-insurance – Another insurer favourite where they say your policy sums
insured are not sufficient.
Scope of repairs – Insurers commonly say they will only pay for repairs to specific damaged parts of your home only: an example would be water decoration damage in one wall of a room where insurers won’t pay for the other walls to be decorated.
Wear and tear – Another insurer favourite where they say the damaged part of the property has little or no value as it is in poor condition and exclude it from the claim.
Unrelated uninsured damage – Insurers often exclude damage which is discovered during a claim, which they say is not their responsibility; an example would be wood rot in a floor or roof.
Damage which is the responsibility of another party – Insurers often reduce claims where they say another party is responsible.
Use of insurers suppliers – Many insurers have their own supplier arrangements to carry out repairs at pre-agreed costs and they will only agree settlements based on these costs which are often unrealistic and impractical.
Temporary accommodation – This can be an expensive part of a claim if it is
necessary or practical when repairing damaged property – insurers often fail to
mention home insurance policies provide this type of cover and when accepted will often arrange sub-standard accommodation with little or no provision for day-to- day living expenses.