How to Prepare a Subsidence Insurance Claim (UK)

Preparing a subsidence insurance claim can be a lengthy and uncertain process. Subsidence claims often involve technical investigations and extended monitoring, which can make the process difficult to navigate.

This guide explains, in general terms, how subsidence insurance claims are usually prepared in the UK.

Step 1: Understand the Nature of the Issue

Subsidence claims typically involve movement to the ground beneath a property. Understanding what has been identified and how it is being described is an important first step.

Step 2: Review Your Policy Wording

Check how your policy defines subsidence and any conditions or exclusions that may apply, including monitoring periods or evidence requirements.

Step 3: Gather Reports and Correspondence

Collect engineering reports, monitoring data, surveyor correspondence, and insurer communications. Clear records are essential in subsidence claims.

Step 4: Communicate Clearly With the Insurer

Providing accurate and consistent information can help reduce misunderstandings during a long-running assessment process.

Important Note

This guide provides general information only. It does not provide regulated insurance advice, does not prepare claims, and does not act on behalf of policyholders.

Getting Further Guidance

If you are unsure how your insurer’s position should be interpreted or what information is relevant, Claim Guardians provides information and guidance to help you understand the process.