A recent online news story has highlighted one property owners plight with the problems that subsidence can bring. A family of four had to evacuate their home when a huge hole appeared in the kitchen area due to subsidence, it burst a water pipe which led to flooding throughout the house causing thousands of pounds worth of damage. They had noticed large cracks appearing in the ground and on the walls of the property but didn’t arrange for a structural engineer to take a look at the problem, had they done so it could have been rectified and dealt with immediately.
It’s important to have cover
This particular family didn’t have subsidence insurance, however due to the generosity of the local people and viewers who witnessed the scenario on TV thankfully the clean-up operation was paid for, although not everyone is so fortunate. Some home owners may find it difficult to buy insurance for subsidence because of the high risk factor associated with this type of problem, it’s reassuring to know that reliable online insurance brokers will assess your application individually to provide the necessary cover without delay.
There are numerous important factors which brokers have to consider before comparing quotes from their insurance partners. Make sure you have the following information on hand when applying for subsidence insurance:-
- how long ago did your property suffer from subsidence?
- what was the cause of the problem?
- has the subsidence been fixed and if so has there been any movement since?
- do you have any documentation and reports about the work that was carried out?
- have you previously made a claim for subsidence and if so how much for?
The above are just a selection of questions that brokers may ask in order to provide you with subsidence insurance.
Why choose brokers?
When choosing well-known online brokers to buy subsidence insurance you not only receive an affordable policy but also an efficient service as well as professional professional staff who have many years of dealing with subsidence problems and risks of subsidence. Brokers also provide cover for properties that have subsidence issues, a fast insurance documentation turnaround, convenient monthly online payment facilities and numerous online insurance discounts. An increasing number of business and property owners are turning to established brokers when buying subsidence insurance in order to benefit from fully comprehensive insurance packages which are much cheaper than from other insurance providers.