Insurance Claim Solutions

Loss Assessors Dublin | Insurance Claims Experts

header strip image

Subsidence Damage | Home Insurance Claim Assistance

subsidence damageSubsidence Damage Claims | Unlike other  insurance claims, subsidence damage can be hard to prove.

Not all cracks in walls and plaster work mean you have a subsidence problem;  many are caused by natural movement in the house structure due to seasonal temperature and moisture level changes.

These tiny cracks are often in a corner where a stud wall joins a block wall or where a wall joins the ceiling and are generally nothing to worry about, diagonal cracks in walls wider than the thickness of a €1 coin are much more of a worry.

Most household insurance policies – and some commercial property insurance policies – cover loss or damage caused by subsidence, heave and landslip. Therefore it is best to have them assessed and repaired before the problem gets any bigger.

 

Factors which may cause subsidence damage

Is is subsidence damage or just badly installed window?As several factors can cause subsidence damage, the most disputed area in subsidence claims is “curing the cause” rather than the repairing the damage already done.

If a broken drain or badly culverted stream is washing the soil away from under your home, just filling the cracks, replacing twisted door frames is just kicking the can down the road. Around 20% of claims have a curable cause, but without a proper investigation it might not be discovered.

Many new houses develop cracks, especially those ones built on the ground with high clay content. When soil dries out, it shrinks slightly causing cracks in the plaster and sometimes in the brickwork. The cracks do not always close after it rains, and over a period, sometimes years, they widen considerably.

Subsidence damage - foundation heaveThis is  kind of subsidence can be compounded by the close proximity of moisture hungry trees and shrubs. As a rule of thumb do not plant trees any closer to the property than the maximum height the tree could reach.

Another related problem occurs when large trees close to a property are cut down or pruned severely. The moisture this vegetation used to draw away from the building causes the soil to swell up and “foundation heave” can be the result.

 

Insurance Claim Solutions Subsidence Damage Claim Assistance

Unfortunately checking the cause of subsidence damage can be disruptive and time consuming, with site investigations such as trial holes, soil and drainage tests, and monitoring sometimes over a period of months.

When you report the claim to your insurers they will appoint their expert an experienced loss adjuster to deal with the claim on the insurance companies behalf.

This loss adjuster will visit the site, access the damage, take photos, investigate the loss and then recommend a settlement to the insurers. Loss adjusters work for, or are directly employed by the insurance company. It is in the interest of the loss adjuster to limit the losses to insurance company as much as possible.

This is especially so with subsidence claims as underground repair work is much more expensive than patching the above ground cracks.

If you have a worry about cracks that have recently occurred to your property or your insurance company only wants to “fix the cracks” but not their cause, call us.

We have expert knowledge to assess the damage, ascertain the cause and what remedial action will be needed to fix the problem permanently.

We can then handle your claim from start to finish, keeping you informed each step of the way. The sooner we visit your home and make a full assessment of the damage and the work needed to effect the repairs, the better we can present your claim to your insurance company.

 

Recently Settled Subsidence Damage Claims

Smoke Damage Claim: Trevor looked after everything, we didn’t have to do anything….I wouldn’t have had any idea about where to start.
Fire and Smoke Damage Claim - Joe Hearty from Terenure
Contact Details

Insurance Claim Solutions

Golf Rd, Rush, Co. Dublin

 

Mobile: 086 357 1713 Phone : 01 870 9210

 

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

Google Reviews
Inspecting claims form
Allish Oconnor
Allish Oconnor
20:34 04 Apr 20
Thank you Trevor so much for all your help with my recent... insurance claim. Trevor looked after all paperwork and communication with my insurance company. The claim was processed very efficiently and was totally stress free for me, considering that we had a serious leak in the house. Trevor actually recommended a builder to complete the work and we are extremely satisfied with the job. Do not hesitate to contact Trevor if you find yourself in the need of accessing your insurance! All the best Trevor.read more
Mar O'Donoghue
Mar O'Donoghue
13:08 30 Mar 20
Excellent service. Very difficult case arising due to water... egress from damaged pipe work causing significant subsidence. Insurers attempted to frustrate the claim, without Trevor's help we would never have been able to navigate the claims process successfully. We are forever grateful and would never attempt a home insurance claim again without engaging Trevor first. We cannot recommend his services strongly enough.read more
Antoinette Tierney
Antoinette Tierney
19:18 20 Mar 20
Thanks a million @insurance_claim_solutions_ for looking... after my mam and dad insurance claim after a flood wrecked their bathroom and sitting room. Thank you Trevor for making sure she got fixed up even after the job was finished they would have had no idea how to claim and probably would have left it without claiming, and you took over everything for them. They now have a beautiful wet room which is a godsend to my elderly parents I would highly recommend you in the future and have passed your number on. Thanks again for making a huge difference to their lives greatly appreciated From Antoinetteread more
Miryam Harris
Miryam Harris
09:36 21 Feb 20
Trevor was recommended by our neighbour when we had a water... leak before Christmas. He was just amazing from start to finish and took the hassle way from us having to deal with the insurance company. At all times he was very professional, knowledgeable and courteous. The whole process was seamless from start to finish. I would highly recommend Trevor from Insurance Claims Solutions to anyone.read more
Fidelma Heeney
Fidelma Heeney
14:27 20 Feb 20
Trevor assisted with a claim due to a flood which caused... quite an amount of damage to the property. His calm knowledgeable presence reassured me throughout the process. His professionalism and attention to detail was exceptional and nothing got overlooked. I cannot say enough positive things about his way of working and cannot recommend him highly enough.read more
See All Reviews
Are you fully insured image

Are You Fully Insured?

Download this FREE
House Rebuilding Costs Guide and find out.

Name

Email