Is your home... sinking?
Residential Subsidence Claims
Subsidence is a real pain to deal with and a deeply complex issue to solve. It takes a long time to figure out if it’s really subsidence causing the damage to your home… which means you have a long, drawn-out process ahead of you.
Unless you go with Knights, of course. We will shoulder the burden of your claim, and whether you prefer to be updated along the way or just want your money at the end, we’ll make sure you get the peace of mind you crave and the settlement you deserve.
How we can help
Damage review
Your insurer will employ a loss adjuster to look after their interests and help them limit their liabilities. Our loss assessors will carefully examine exactly what damage has been incurred and help you prove it, ensuring you get what you're entitled to.
Protection against further damage
If left, subsidence will cause more and more damage, eventually leading to catastrophe. It requires immediate remedial action, which we will organise through our network of contractors, ensuring that the works are covered by your insurance.
Temporary accommodation
Subsidence often needs major work to sort out and you might be out of a home for a while. We will arrange temporary accommodation for as long as necessary and advise you on how to ensure that you're fully compensated for this. We will offer full support throughout the process and help you with vital record keeping.
Legal advice
Should the need arise, we will arrange for top legal representation and deal with all aspects of the case on your behalf. We will not rest until avenues are explored and you receive the full compensation you’re entitled to.
Quality repairs
We will network with professional contractors to ensure that all repairs are safe and up to standard. We also help you avoid potential traps and pitfalls by helping steer clear of any contractors or suppliers who may not be acting in your best interests.
Insurance advice and coordination
We will scrutinise your policy to determine the full amount of compensation you're entitled to. We will then build a robust case and handle all proceedings on your behalf. Our claims handlers will assist with every step along the way, including guidance, advice and support.
Loss Assessment
Our experienced loss assessors will conduct a comprehensive survey of subsidence damage, ensuring that no details are missed and that everything is recorded. We will liaise with the insurers and their loss adjusters and challenge any reports which we feel do fully represent the damage you incurred.
Claims handling & negotiations
We will liaise with all third parties and surveyors and look after your interests. We will also negotiate with the insurers, submit the necessary paperwork and do whatever it takes to sort out the issue as fast as possible.
Step by step guidance through a flood in your home
FAQs about subsidence
Dealing with a subsidence insurance claim can be very confusing.
At knights, we welcome your questions and strive to give easy, clear answers.
Check out the FAQs, and if you don’t find what you’re looking for, don’t hesitate to get in touch.
What is subsidence?
Subsidence is the gradual or sudden sinking of land surfaces. The most common cause of subsidence worldwide is the extraction of groundwater and oil, which leads to a decrease in the amount of water or oil supporting the surface layer.
Subsidence often causes significant damage to homes, businesses, and other infrastructure. When a house starts to sink, it can be an absolute horror for the homeowner. Not only is the house uneven, but it can also cause extensive damage.
This is because as the home sinks, the foundations weaken and start to crack. This can eventually lead to the entire structure of the home collapsing.
As soon as you see cracks appearing in your home, It's important to resolve the matter as quickly as possible because it can cause significant damage to your home and your wallet.
How do I know if the cracks in my home are caused by subsidence or something else?
If you're seeing cracks in your home that weren't there before, it's important to determine the cause as soon as possible. Cracks can be caused by a number of things, such as subsidence, foundation problems, or expansion and contraction due to weather changes.
The best way to tell whether a crack is caused by subsidence is to measure its width. Cracks caused by subsidence are generally more than 3mm wide.
Cracks that are visible both inside and outside your home are a strong indication of subsidence. You can also look for cracks near doorways and windows; these areas are particularly vulnerable to subsidence.
My house is sinking. What should I do?
If you think your house is sinking, you should contact your insurer. They will be able to determine whether or not the issue is subsidence and advise you on what to do next. Depending on the extent of the damage, you may be eligible for repairs, replacement cost coverage, or even a total loss payout.
Of course, it’s best to get the help of a loss assessor as soon as possible to jumpstart the claims process and ensure that you get the best settlement for your claim.
