A guide of the procedures for correcting subsidence, what causes it and how much it costs to rectify.
This article will detail the steps that you need to take to fix subsidence once that you have recognised that the condition exists within your property. It will look at how it manifests, the causes of the subsidence, and how to effectively fix it.
The worst-case scenario of subsidence, your house may need to have substantial underpinning, which is both costly and disruptive, with prices reaching £50,000 in certain cases. The Royal Institution of Chartered Surveyors (RICS) quotes that less than 10% of properties that are affected by subsidence need this amount of work with underpinning. Claims data from the Association of British Insurers implies that in the majority cases, the price of correcting subsidence is a lot lower, as the average pay-out is about £6,250.
Subsidence occurs when areas of the ground underneath a house sink. This is the major supporting feature, and if the ground moves, it results in a lowering of the foundations of the property, which can then become uneven. It’s especially challenging when the ground underneath your property is sinking at different rates.
Subsidence is the opposite of an allied condition called “heave”, which is where segments of the ground underneath your property move upwards forcing the foundations higher. It’s also different from a landslip or landslide; this is where the ground your property was constructed on moves down a slope or is swept away by heavy rain.
The fixing of subsidence can be very simple or very complex, depending upon the underlying reasons for the cause in the first place. The job may require tools as simple as a spade and reinforcing materials to the need for major ground working tools and the shifting and replacing the moving material.
If you’re burdened with a severe case of subsidence, you might need to look at the reasons for the change and deal with the cause. This might mean that you identify and have to either move a tree’s roots or install a waterway to ensure that soil remains moist but not washed away.
While subsidence can have a combination of complex reasons, there are just a few reasons why it should suddenly occur. These include:
Many of these factors mean that conditions can change quite quickly and where you may not have had any history of subsidence, you could find that it starts to occur should local circumstances occur. Many cases of subsidence also come as a result of the ground under your home changing so you will have to do something with that.
The major explanation of subsidence is the influence of the weight of the building. Where the property sinks ‘into’ the ground upon which it’s built, then this is generally revealing of incompetent design and construction.
Here is a list of commonly asked questions regarding subsidence.
Subsidence insurance cover is typical on the majority of domestic property insurance policies. If your insurer suspects subsidence, they’ll usually organise an expert to review the damage and recommend whether it’s covered by the policy. If organised by your insurer, you’ll not get charged for this inspection. Most legitimate subsidence claims have a policy excess, typically in the region of £1,000 per claim.
Crack monitoring is used to determine whether there’s any on-going movement of a property. This is usually implemented by fitting small metal studs on both sides of cracks and data is taken to verify whether the cracks are opening or closing. Observing is generally undertaken for between three months and one year, depending on the source of the damage.
Level monitoring is occasionally implemented to identify whether there is any on-going movement of the property as a whole and to establish the amount and nature of the movement. Levels are taken systematically on a sequence of points around the property. Like crack monitoring, this is normally carried out for between three months and one year.
A good place to obtain information is from the British Geographical Survey website as this has a viewer that shows the general ground to be expected in areas and will help you identify other reasons for subsidence.
Yes, provided that subsidence damage has been properly repaired there shouldn’t be a significant impact on the value of your property. It may be harder to insure a property that has a history of subsidence unless you use a specialist insurer.