Underpinned Home Insurance
Our team at 1st Choice Insurance believes that everyone deserves great value on their underpinned home insurance policies, which is why we offer great value for money with incredible savings. Call us today on 0800 078 7003 – 0300 600 0603 or complete our Get a Quote Form.
At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. With experience in arranging subsidence and underpinned property insurance for our clients, we can advise on the best level and type of cover for your needs.
What Underpinned Home Insurance covers
Subsidence is a word most homeowners dread, but don’t panic, there’s light at the end of the tunnel! 1st Choice Insurance can help you find insurers that can still cover your property in the event of subsidence, land heave or root damage.
When taking out an insurance policy it is imperative that you advise the insurer if your property has ever been affected by subsidence, landslip, heave or tree root damage.
Even if your property has suffered from subsidence, 1st Choice Insurance can help you find an insurance policy to cover your property.
Just because your property may have cracks in the walls, it may not be a sign of subsidence. Properties swell and shrink naturally throughout the year in response to changes in temperatures and moisture levels. If, however, cracks seem to suddenly get worse you may wish to get specialist advice from an experienced builder or a structural surveyor.
Moisture level content of supporting ground can be responsible for subsidence, but it is also possible that the ground was unsuitable for the building in the first place, e.g. areas previously used for mining or clay based soils. Other causes for the change in ground moisture content can include water leaks from mains services, drains, depletion of natural groundwater, vegetation or trees having been planted too closed to buildings etc. Willow trees in particular, as well as ash, oak and poplar, are known to have a large water uptake, affecting surrounding ground water levels. They can also cause particular problems with roots in underground drainage systems.
Conversely, removing a large mature tree can cause ‘land heave’ as the soil no longer has something to absorb the excess moisture. You should speak to an expert before removing any existing large trees on your property to get advice about the best way to proceed.
Get an underpinned home insurance quote today
Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.