Underpinned house insurance

If your home has subsided or been underpinned, you may need specialist underpinning insurance to protect your property.

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Last updated: 26 October 2020

Can you get underpinned house insurance?

Yes, but you may need specialist home insurance. Underpinned house insurance is provided by several insurers that specialise in covering underpinned homes.

Underpinned properties are seen as high risk by insurers because it shows your house has a history of subsidence damage, which can cost a lot to repair.

If your home is at risk from subsidence but has not been damaged, you can compare subsidence home insurance here.

Can home insurance cover subsidence?

How to get unpinned house insurance

You will be asked questions about your property and the reasons for the underpinning when you apply for home insurance. Underpinned house insurers will likely ask:

  • When was your property underpinned?

  • What was the cause of the subsidence or ground movement?

  • How much of the property was underpinned?

  • Was the work carried out following an insurance claim?

  • Do you have a certificate that proves the property is secure?

If the underpinning insurance provider can cover your property, your premium will be affected on the answers you give to these questions.

If you are not honest about the condition of your property, your underpinned house insurance provider may not pay out when you need to claim.

If you do find insurance for underpinned property, some insurers set a much higher excess amount for subsidence claims, for example £2,500 compared to £1,000 for a standard policy.

What if you cannot get cover?

If you still struggle to find underpinning insurance you may be able to arrange cover with subsidence excluded through standard home insurance. Underpinned house insurance would not be included, however.

This means you will be unable to claim for any subsidence damage, but you get all the other protection offered by a home insurance policy.

Here is how to find the right insurance for your home

Underpinned house insurance FAQs

Yes, look for a new policy that can cover your underpinned home.

Most underpinned home policies set a higher excess for subsidence claims, for example £2,500 compared to £1,000 for standard home insurance.

Yes, you must inform the insurer, even if the work was carried out a long time ago because your home could be at risk from damage in the future.

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