If the damage is severe and subsidence is imminent, the movement of your home will be monitored for a certain period of time so that engineers can find a long-term solution. Other signs of sagging are doors and windows that stick for no apparent reason, and wallpaper tearers or wrinkles that are not caused by moisture. Lowering must be stopped before the property is still damaged. As an insurer, you need to identify the cause of subsidence and stop its effects on the ground, for example by removing or pollinating vegetation or repairing leaks. Most property insurance only covers the costs of repairing damage caused by reductions and does not proactively prevent future reductions. The important thing is to make the property stable. The first sign of subsidence is usually the appearance of cracks in the walls of your home, either in the interior plaster or in the exterior masonry. Subsidence cracks are very different from other cracks. They usually happen suddenly, especially after long periods of drought, and tend to do so: if you think your property has suffered damage at the lowering, contact your insurer as soon as possible. She will advise you on the next steps.

If necessary, your insurer can send a specialist/engineer to your home to examine the damage caused by the reductions and determine the cause. We see cases where the client changed real estate insurer and then asserted a right to subsidence. To help these situations, the Association of British Insurers (ABI) has published its Domestic Subsidence Agreement. .