Subsidence is the gradual sinking of the ground beneath a building which eventually pulls a property’s foundations down with it, and it is a threat to properties across the UK. With climate change exacerbating the risk of subsidence damage, like an increased risk of flooding, an estimated 1.2 million additional homes are expected to be at risk of subsidence by 2050.
In this FAQ, we outline the causes, consequences, and mitigation strategies for this growing problem of subsidence in houses across the country.
What are the signs of subsidence and how can you prevent it?
Some common warning signs of subsidence include:
- Cracks in walls, particularly around doors and windows or where an extension joins the main building
- Misaligned or sticking doors and windows
- Sagging or sloping floors
- Rippling wallpaper that isn’t caused by damp
- Cracks or sagging of boundary walls
- Cracks in the exterior brickwork
Subsidence problems should never be ignored and the longer the problems are left, the more expensive repairs can cost. If you notice any of these main signs of subsidence throughout your home or other property, it is important to undergo a professional assessment as soon as possible to determine the cause and appropriate course of action.
Can subsidence be prevented?
While structural damage and structural movement due to subsidence cannot be completely prevented, there are steps homeowners and other property owners can take to reduce their risk, such as:
- Properly maintaining trees and vegetation around the property
- Ensuring effective drainage systems are in place
- Promptly repairing any leaks or damage to water pipes
- Monitoring for early signs of subsidence and taking proactive action
Subsidence can sometimes be resolved by managing trees or vegetation near your property and fixing any drainage issues or leaks to prevent soil erosion. Working with a subsidence specialist like Lucion can help you identify subsidence in buildings and potential subsidence risk factors to your property and develop a tailored prevention strategy.
Is subsidence covered by insurance?
Most building insurance policies in the UK do cover subsidence and any damage to your property as a result of subsidence, including diagonal cracks, uneven floors and other structural problems, but there may be some exclusions or limitations. It is important to carefully review your policy and discuss any concerns with your insurer. Keep in mind that premiums may be higher for properties with cases of historic subsidence, you may need to pay a higher excess in the event of a claim.
How long does subsidence remediation take?
The timeline for subsidence remediation can vary widely depending on the extent of the subsidence damage, the underlying cause, and the chosen course of action. In some cases, minor cracks may simply need to be monitored over time to ensure they don’t worsen. More extensive structural damage or structural issues may require underpinning or other extensive repairs, which can take several months to complete. Underpinning is used in severe cases of subsidence damage, and it involves removing the subsoil beneath each wall of the property and replacing it with a more stable foundation material.
Your subsidence specialist from Lucion will be able to provide a more detailed timeline and expert advice based on your specific situation.
Can I sell a property with subsidence?
Yes, it is possible to sell a property with subsidence, but it may be more challenging and you may need to accept a lower sale price.
Buyers may be hesitant to take on a property susceptible to subsidence or with known subsidence issues, and mortgage lenders may be less willing to provide financing. If you do decide to sell, it is important to be transparent about the subsidence and any remediation work that has been done. Working with a specialised surveyor to complete ground investigation surveys, and an expert estate agent can help you navigate the process of selling a property with subsidence and minimise potential losses.
At Lucion, our experienced team is dedicated to helping property owners, managers, and investors protect their assets from the risks of subsidence. We offer comprehensive subsidence risk assessments, state-of-the-art monitoring solutions, and expert remediation services, as well as House Purchase and Renovation Survey Services for peace of mind before and during the home buying or renovation process.
By working with us, you can trust that your property is being proactively monitored and protected, with personalised, data-driven solutions tailored to your unique needs and challenges. Contact our team today to see how we can support you and your property.
