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Subsidence
- Thread starter RogerS
- Start date
Steve Maskery
Old Oak
Roger. Sell up. Cut your losses. Buy a motorhome. Go.
S
S
duke
Old Oak
Are these cracks which have grown since moving in Roger?
DaveL
Old Oak
Big roll of gaffer tape should fix it.
More serious, I think Steve has the answer.
More serious, I think Steve has the answer.
fuse
Nordic Pine
- Joined
- Sep 4, 2025
- Messages
- 517
- Reaction score
- 395
- Location
- Herefordshire UK
- Name
- Martin
- LOCATION
- Uk
Took me three years and several price cuts eqivalent to 40% to sell a house with a big crack down one wall.
Best of luck with it Roger and look after your sanity as a priority
Best of luck with it Roger and look after your sanity as a priority
Afraid so. There is a massive subsidence issue in the UK as a result of the summer weather. One insurance company was filing around four claims a day. This year, it is a hundred. It will be six weeks roughly before they even get round to considering at our claim.
Doug
Old Oak
Are you on clay Roger?
A mate got a lovely house a few years ago for a bargain price due to large cracks particularly at the front of the house, there were a couple of very large trees in the front garden which he cut down not long after moving in mainly because his wife didn’t like them, the upshot has been that the cracks haven’t moved since.
A mate got a lovely house a few years ago for a bargain price due to large cracks particularly at the front of the house, there were a couple of very large trees in the front garden which he cut down not long after moving in mainly because his wife didn’t like them, the upshot has been that the cracks haven’t moved since.
Yes we are but no close trees or shrubs.
Lons
Old Oak
There can be a downside to that Doug, hopefully not in your mate's case.
Large trees takea a huge volume of water out of the ground and when you cut them down that of course stops so not such an issue in dry conditions but a very wet winter means the water stays in the ground and you can get flooding, soil erosion, clay heave or both.
Damned if you do it, damned if you don't sometimes.
Lurker
Old Oak
Just a thought regarding the cracks and the recent drought.
Where does the run off from the roof go?
Soak away, down the sewer or what?
My thinking is waterlogged foundations in the winter and dried out more during the summer.
Probably a load of BS on my part.
Where does the run off from the roof go?
Soak away, down the sewer or what?
My thinking is waterlogged foundations in the winter and dried out more during the summer.
Probably a load of BS on my part.
Some goes into the septic tank... some into a soakaway..some small rooves probably into a soakaway but volumes relatively low.
What foundations ?
So here is my take on the ‘system’ so far in case anyone else has the misfortune to be in the same position.
The number of subsidence claims has exploded. It was bad last year but this year it is even worse. The insurance company outsources all the claims to an external company as do most of them. Talking to (by chance) a senior investigator at the claims handling company’s…last year was bad but this year is worse. They usually get four claims a day from the insurance company we are with. At the moment it is closer to 100.
So if you were an insurance company what would you do? You’d outsource to a company whose USP was that they would save you money on claims. As ours has done. So far so good. From an insured perspective all very slick. So Step 1…they send out a surveyor to view the damage. To take photos and videos etc and then to report back and upload their photos into the system. Then some weeks later, your case is reviewed by a senior surveyor/engineer and on to the next stage. If they accept the claim.
So chummy rolls up 45 minutes late (ok) but no apology. Listens. Dictates an initial report into his phone and asks if I agree with what he’s said. So far so good. He then goes on to take some photos and some videos. He departs. These photos and videos give validity to the claim
and will be reviewed by a senior surveyor.
A day or so later, I can see his photos online from their system. But can I see the videos? Not available. So I push. And push. Very reluctant to make them available. So I push. Then push some more as those who know me well appreciate that I don’t suffer bullshit gladly and can smell a fob off a mile away.
Finally I get to see those videos and can see why they don’t want me to see them. The video trivialises all the issues. Basic message to go onto the file is Nothing to see here…claim rejected.
So videos duly reviewed and commented on by me and the Missus (she’s the one with the smarts). That all took the better part of two days to do it bulletproof. Watch this space.
The number of subsidence claims has exploded. It was bad last year but this year it is even worse. The insurance company outsources all the claims to an external company as do most of them. Talking to (by chance) a senior investigator at the claims handling company’s…last year was bad but this year is worse. They usually get four claims a day from the insurance company we are with. At the moment it is closer to 100.
So if you were an insurance company what would you do? You’d outsource to a company whose USP was that they would save you money on claims. As ours has done. So far so good. From an insured perspective all very slick. So Step 1…they send out a surveyor to view the damage. To take photos and videos etc and then to report back and upload their photos into the system. Then some weeks later, your case is reviewed by a senior surveyor/engineer and on to the next stage. If they accept the claim.
So chummy rolls up 45 minutes late (ok) but no apology. Listens. Dictates an initial report into his phone and asks if I agree with what he’s said. So far so good. He then goes on to take some photos and some videos. He departs. These photos and videos give validity to the claim
and will be reviewed by a senior surveyor.
A day or so later, I can see his photos online from their system. But can I see the videos? Not available. So I push. And push. Very reluctant to make them available. So I push. Then push some more as those who know me well appreciate that I don’t suffer bullshit gladly and can smell a fob off a mile away.
Finally I get to see those videos and can see why they don’t want me to see them. The video trivialises all the issues. Basic message to go onto the file is Nothing to see here…claim rejected.
So videos duly reviewed and commented on by me and the Missus (she’s the one with the smarts). That all took the better part of two days to do it bulletproof. Watch this space.
Last edited:
duke
Old Oak
F ing scam, I worked for an insurance restoration company for a few years where most claims were due to water damage and never an issue ok ing the claim but as soon as foundation subsidence was the issue you had to fight with the insurer. I have seen many written reports which gloss over the problem causing denial of claim.