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Subsidence Insurance

Helping You Stand Strong Even When Your Home Isn’t

Finding it hard to get insurance for your subsiding property? Recently had subsidence confirmed and not sure where to get the right house insurance?

Home insurance subsidence cover can be difficult to find. At Orwell, we don’t rest until we’ve found you the perfect insurance deal that ticks all your boxes!

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Who Needs Subsidence Insurance?

Don’t Get Trolled Out Of Cover By A Subsiding Property…

It doesn’t matter if you live in an area that’s particularly at risk of subsidence (like a mining area) or your home has already suffered from subsidence and has even been underpinned to prevent worsening damage, you need subsidence insurance that can stand its ground against the associated costs.

If you’re aware of subsidence or you’re property has had problems in the past it can be frustrating trying to find an insurer who is prepared to continue offering you this cover within your policy. Subsidence insurance considers the additional risks and expenses that come with subsidence, giving you the extra support you need if damage was to reoccur.

Why do you need Subsidence Insurance?

Protect Yourself From The Costs Of Underground Mischief….

If you know your home is at risk of subsidence or it has already been damaged by the effects of subsiding foundations, then you probably know just how expensive of a problem this can be. Orwell insurance goes that extra mile for you and your home. Depending on the type of cover you choose, it could help with the costs of investigating, monitoring, and even fixing your subsidence.

And should the worst happen and you’re unable to stay in your home – due to subsidence or other unpredictable events like fire or flooding – it can also cover the cost of your temporary accommodation.

We’re here to help you get peace of mind from those expenses, finding you comprehensive, reliable building insurance.

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Subsidence In A Nutshell

Subsidence is when a building starts to sink down into the ground it was built on. This is usually because of the soil moisture changes beneath, mining or issues with underground pipework or infrastructures.

Underpinned? No Problem

Our subsidence insurance products are here for you if your property already has subsidence, heave or has been underpinned. That’s because we specialise in finding insurance for properties and people who might struggle to find cover elsewhere!

What Does Subsidence Insurance Cover You For?

We let you tailor your cover to suit your exact needs, subsidence and all, so there are no one-size-fits-all policies here. But it’s good to know what you can be covered for so you don’t end up footing the bill for big expenses that are associated with subsidence claims.

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)
Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.
Valuables & Possessions – the cost of repairing or replacing your valuables and possessions that are lost or damaged even away from home.
Accidental damage to buildings and/or contents
Domestic freezer cover – the cost of replacing food in your fridge or freezer if it stops working
Pedal cycles – the cost of repairing or replacing pedal cycles following theft or accidental damage
Legal Liability to the public – your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property
Accidents to domestic staff – your liability for bodily injury to your domestic staff
Money – theft or accidental loss of money
Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card
Subsidence is an insured peril within your property insurance. This covers you for financial losses should subsidence reoccur

What’s Not covered

Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)
The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)
Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories
Any property held or used for business purposes
Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you
Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets
Damage caused by domestic pets
Infectious or contagious disease
External structures