Subsidence Insurance

Why choose Howden for Subsidence Insurance?

Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist home insurers, we make the process of comparing multiple insurance policies, on your behalf, simple and easy. What’s not to like?

As an insurance broker, we also know that each policy needs to be as individual as its owner and their home, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your subsidence insurance cover.

Ultimately, whether you need to make a claim, purchase a new home policy, or renew an existing one, just know that we’re here to help.

Benefits of working with us:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

What is Subsidence Insurance?

Obtaining cover for a home that’s previously been affected by subsidence, landslip or historic movement can be difficult. Many insurers will simply say no to providing you with insurance, without asking for any more information, regardless of when the house moved. Subsidence may not be covered on a standard buildings policy either, especially if you agreed in that policy that your home has not been affected by any structural movement, because if it then does become affected, no matter how long ago, you could be left completely uncovered by your policy.

However, we can help. We have arrangements with insurers that allow us to provide individually tailored subsidence insurance cover, which is designed to cover the cost of repairing or rebuilding your property if it’s been damaged because of the ground unsettling or sinking below it.

Here’s some common causes of subsidence:

• Nearby trees and undergrowth
• Leaking drains and pipes
• Reactive clay soil
• Intense weather
• Compromised ground around underground mines
• Property’s age and weak construction

A regular person may not notice signs of subsidence though, so it’s worth getting some professional advice if you have any doubts. Once you know for sure that subsidence has damaged your property, our team can then help you find subsidence cover that makes sense. There’s no ‘one size fits all’ when it comes to subsidence, so get in touch and learn more about how you could be covered under a flexible, specialist policy.