Subsidence Insurance

For most people, the purchase of a home is one of the biggest investments they’ll ever make, and it’s obvious that homeowners will want to protect their property with adequate insurance, both for financial reasons, as well as the wellbeing of their family.

Subsidence Insurance

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Here at GSI Insurance Services (Southern) Ltd, we specialise in non-standard insurance policies, including subsidence insurance, and we understand that every property is different. That’s why we work closely with our clients to find home insurance cover that suits their specific needs. We have a number of expert providers who will handle your enquiry on a case-by-case basis, ensuring you pay a fair amount.

What is subsidence?

Subsidence can mean a variety of things, depending on the location of your home and the geological factors that are present in your area, but the result is always the same: the ground under your home shrinks and lowers, causing weakened and damaged foundations.

Heave, landslip and settlement, along with subsidence, can all cause damage to properties. You can read about the differences here.

One common cause of subsidence is large trees near your home, Click here to understand more about the potential causes of subsidence.

Clay sub-soils can be problematic during times of drought, when all the moisture dries up. This is particularly common in and around London – Click here to read our case study.

In some areas, previous mining activity can lead to a subsidence problem, and we have a complete guide to subsidence in mining areas available.

While subsidence can seem like a homeowner’s worst nightmare, there are a number of signs to look out for in order to spot the problem early on.

Dealing with subsidence will depend on the cause of the problem. In some cases, the solution may be as simple as removing or cutting back trees or repairing pipework. For more serious situations, underpinning – an expensive process that involves strengthening and deepening the building’s foundations – may be necessary. We discuss some of the ways you can deal with subsidence here.

View our Subsidence Guide

GSI Insurance Services (Southern) Ltd. have spent the last few years working hard to become a leading subsidence insurance specialist in the industry. In order to help pass on some of our expert knowledge, we have created a Subsidence Guide, covering the basics such as what subsidence is and what causes it, right up to steps you can take to help reduce the chance of damage if you think you have a high risk property.

You can view the guide by clicking HERE.

If you are looking for something specific, we have also prepared the following information that you may find useful:

Protect your property with subsidence insurance from GSI Insurance Services (Southern) Ltd

Many homes in the UK are considered to be at high risk for subsidence and whether your home has previously had a subsidence claim, or is simply in one of the areas considered to be at risk by insurance companies – such as Kent, London and the Midlands – you may find that you’re paying over the odds for your cover.

Give us a call on 0800 612 9376 or click Get a Quote to complete our online form. Our experienced advisors will be on hand to assist you with competitive subsidence insurance.