Subsidence, Remediation Works and Insurance
In 2018 we saw an ‘Event’ year. Whilst sun worshippers in the UK baked in the long dry summer, a sinister development took place underground causing soils to become desiccated. This process of clay shrinkage, which accounts for the large majority of subsidence incidents, was rife and caused subsidence across the country.
Despite the efforts of insurers, engineers and contractors, it is only now that a lot of this ground movement is being addressed. The most common and effective method to resolve this type of subsidence is to remove trees. However, this is not always possible or practical which is when other methods are needed to stabilise buildings.
For homeowners, the experience of a sinking house can be heartbreaking and their hope is that a remedy can be put in place quickly and last for the foreseeable future. Insurers also want to remedy quickly and effectively to minimise further damage.
And what should we expect in the future? Whilst we are experiencing wetter weather conditions right now, will the current, unpredictable weather and climate change result in an increase in subsidence over the coming years?
At BLG, we offer Insurance Backed Guarantees (IBG) and Latent Defects Insurance (LDI) policies on all types of foundation works and ground stabilisation, from traditional underpinning to piling and resin injection. Backing such works with insurance is crucial.