Subsidence Insurance Claim Timeline
Subsidence claims are among the longest and most complex in property insurance. This guide explains each stage, from initial signs through investigation, remedial works and return to the property.
Initial Signs & Reporting
ImmediateDiscovery of cracks or movement in the property and reporting to the insurer.
- Discovery of cracks, doors sticking or movement
- Photographs and documentation taken
- Insurer contacted to report the issue
- Initial claim logged and reviewed
Investigation & Assessment
Weeks 1-12+Geotechnical surveys, structural engineers and root cause analysis.
- Geotechnical surveys commissioned
- Structural engineers appointed
- Root cause analysis (soil type, tree roots, drainage)
- Insurance cover confirmed
- Monitoring equipment installed
Temporary relocation may be necessary if the property is deemed unsafe during investigation.
Monitoring & Diagnosis
Months 3-12Continuous monitoring of ground movement to understand the full extent of the problem.
- Continuous monitoring of movement
- Seasonal variation assessments
- Detailed reports from structural experts
- Confirmation of the extent of subsidence
- Remedial strategy recommendations
Remedial Works & Repair
Months 6-18+Underpinning, structural reinforcement and comprehensive property repairs.
- Underpinning or structural reinforcement
- Drainage system repairs
- Tree root barriers installed if needed
- Internal and external property repairs
- Crack repairs and redecoration
Extended temporary accommodation is often required during the lengthy remedial works period.
Completion & Reoccupation
After repairsFinal structural checks confirm the property is safe and stable for reoccupation.
- Final structural checks completed
- Property stability confirmed
- All repairs signed off
- Residents return home
- Ongoing monitoring may continue
Temporary Accommodation During Subsidence Claims
Subsidence claims often require the longest temporary accommodation periods in insurance. Jigsaw Conferences specialises in extended-stay placements, ensuring residents have comfortable, homely accommodation throughout what can be a very lengthy process.
Frequently Asked Questions
Common questions about this insurance claim process.