If you are concerned that your property is suffering from subsidence then a structural engineer’s report as well as insurance is recommended. A visual inspection can be carried out concerning parts of the property related to subsidence and a detailed report indicating what was found can be recorded to rectify the problem for any necessary repair work. A general structural inspection involves an engineer or a surveyor analysing your property in more detail for instance the roof structure, floors, walls, lintels and beams which will help identify subsidence problems before any major structural disaster occurs.
Home buyer’s report
As many people are aware, the UK Government introduced home buyer’s reports a while ago, these provide useful information regarding what a potential buyer needs to do in relation to any defects found in property such as subsidence. In most cases providing a structural engineer’s report about subsidence reduces any worries for sellers and buyers so a property sale can go ahead. An engineer’s report will also generally satisfy mortgage lenders and insurance companies, professional online brokers will then discuss with you the best possible cover for subsidence insurance.
When requesting a free no obligation quote for subsidence insurance there are numerous factors and essential information you must provide to benefit from cover with established online brokers for example:-
- how long has your property suffered from subsidence?
- what was the cause of subsidence?
- how has the problem been rectified?
- has there been any movement since?
- do you have any documentation of an engineer’s report and work carried out regarding subsidence?
- have you made any previous claims and how much were these for?
The cost of premiums and the level of subsidence insurance on offer can depend very much on your answers to these types of questions.
A tailor-made service
Brokers have in-house expertise and experienced staff who can provide a tailor-made service for all types of subsidence insurance, let them discuss the issues with you no matter how the subsidence problems were caused. Reliable staff understand that each property owner’s subsidence risk is unique so every insurance application is looked at with an open mind, rest assured there’s no one size fits all solution to subsidence insurance. By choosing brokers to purchase insurance cover from you can be certain that you will receive a policy that completely protects your property if you ever need to make a claim.