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That Sinking Feeling!

Subsidence claims have hit a ten year high following our sizzling summer. 

The Association of British Insurers (ABI) has revealed that more than 10,000 households made subsidence claims worth a total of £64 million in July, August and September of this year.

Written on 27th December 2018

Subsidence claims have hit a ten year high following our sizzling summer.

The Association of British Insurers (ABI) has revealed that more than 10,000 households made subsidence claims worth a total of £64 million in July, August and September of this year.

The figures represent the highest level of subsidence claims since the record-breaking heatwaves of 2006 and 2003. Some regions of the UK experienced their driest months on record, particularly in the South East which is well-known for its subsidence-prone clay soil.

From the previous quarter, the number of claims jumped from 2,500 to 10,000, with the value of claims rising from £14 million to £64 million. This increase of 350% is the highest quarter-on-quarter jump since records began more than 25 years ago.

Subsidence is usually caused when the ground beneath a building loses moisture and shrinks as a result of prolonged dry spells. The ABI  has provided  the following tips on how to differentiate between subsidence and general wear and tear:

-       Subsidence cracks usually appear very suddenly, rather than gradually;

-       They are usually diagonal, and wider at the top than the bottom;

-       They tend to be thicker than a 10p coin;

-       They are often found around doors and windows;

-       Subsidence may also cause dry wallpaper to rip or crinkle and;

-       Doors and windows may start to stick.

Subsidence is routinely covered by business and domestic buildings insurance, although it usually carries a higher excess than other perils. Each claim is unique depending on the building, circumstance and severity involved, so there is no typical approach to repairs but Insurers are on hand to provide widespread support in accordance with policy cover.

If you think you have suffered subsidence damage please contact your usual Franklands representative.

Source: https://www.abi.org.uk/news/news-articles/2018/subsidence-claims-quadruple-to-highest-level-in-more-than-a-decade/

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