Why Subsidence Claims Are Often Disputed by Insurers (UK)

Subsidence insurance claims are frequently disputed due to their technical nature and the need to establish cause, extent, and progression of movement.

This guide outlines common reasons why subsidence claims can become contested.

Cause of Movement Disputes

There may be disagreement over whether movement is due to subsidence, heave, landslip, or other factors.

Monitoring and Evidence Requirements

Insurers may require extended monitoring before reaching a decision, which can lead to frustration and delay.

Policy Definitions and Exclusions

Disputes can arise where policy wording limits what qualifies as subsidence or excludes certain contributing factors.

Important Note

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

Getting Further Guidance

If you are unsure why a subsidence claim has become disputed, Claim Guardians provides information and guidance to help you understand the insurer’s position.