Homeowners often find it difficult or expensive to get property insurance after making a subsidence claim.
Your options
Getting cover from your current insurance provider
Our member companies are committed to working with policyholders to manage ongoing subsidence risk and maintain cover, however there may be circumstances where continuation of cover is not possible.
Getting cover from a new insurance provider
If your property is still at risk of subsidence you may have to pay a higher premium than other homeowners and your policy may be subject to different terms and conditions.
If your home has suffered from subsidence damage in the past and you want to change your insurance provider, contact an insurance broker through the British Insurance Brokers' Association (BIBA) for specialist advice.
If you discover subsidence damage after changing your insurance provider
If you change insurer and then discover subsidence damage, our subsidence claim handling agreement will help determine whether your previous or current insurer should handle your claim. The decision will be based on the amount of time that has passed between you switching insurer, discovering subsidence damage, and notifying your insurer.
If the date of notification is within eight weeks of changing insurance provider your previous insurer will handle your claim.
Resources
Access comprehensive guides and in-depth reports, explore
free-to-use tools and download our data release schedule.
