Properties which have suffered from subsidence can be hard to find insurance cover for. This guide outlines the causes of subsidence and gives recommendations for how to gain subsidence home insurance that meets your needs. One in five properties in the UK is considered to be at risk from subsidence.
Here are some of the main causes of subsidence.
Around 75% of subsidence claims occur from soil shrinkage, making it the main cause of subsidence in the UK. There are two classes of soil; cohesive, sometimes known as shrink/swell, and non-cohesive, although both types will invariably contain water.
Organic soils, such as peat, naturally decompose due to oxidisation, leading to a reduction in its volume. Oxidisation occurs when the organic material comes into contact with the air and this usually then causes the water table to fall.
Man-made subsidence is usually caused by old in-filled sites and vibration. In-filled sites are pits and quarries, which have been filled in with a variety of materials, not excluding refuse in some circumstances, and covered over. The fill can degrade over time, normally through the decomposition of the materials, causing a reduction in the volume of the soil which leads to subsidence.