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Last updated: 26 October 2020
With most home insurance, subsidence damage will be covered by subsidence insurance, but only if your home has not suffered from it before. Polices vary, so to make sure to check your home insurance.
Subsidence is when the ground beneath your home moves, causing it to sink.
Some companies will not provide insurance for property with subsidence history, or if you live in an area that is at risk.
Look for subsidence insurance that can protect your property against the costs of repairs to your building or damage to your contents caused by subsidence.
When you compare policies check what excess you have to pay if you claim for subsidence, because it is often higher than the standard excess.
For example, some subsidence insurance policies set an excess of £1,000 which you have to pay in the event of subsidence, compared to £200 for any other claim.
Subsidence insurance providers set a higher excess to offset the cost because subsidence claims can be very expensive. You can find out more about home insurance excess here.
Read each subsidence insurance policy carefully when looking for cover to see what is excluded from your policy.
For example, most subsidence insurance policies will not cover any subsidence damage that is caused by:
Escaped water or oil from fixed water or heating systems
Normal bedding down of new buildings
River or coastal soil erosion
Any structural changes you make to your home
Most subsidence insurance policies cover subsidence damage to your garden, but only if your buildings have been damaged at the same time.
If your home has suffered subsidence damage in the past it will be harder to find a policy that can cover your property.
You can find out more about getting home insurance for subsidence history.
It may if it is built near a coal mine, on clay soil or close to large trees. Find out more about your area on the Environment Agency website.
Most home insurance policies set a higher excess for subsidence claims, for example £1,000 compared to £200 for other claims.
Yes, you must inform the insurer, even if it happened a long time ago because your home could be at risk from damage in the future.
Yes, any damage resulting from ground movement caused by fracking should be covered by your home insurance policy.