Subsidence

fortesque

I had some subsidence at the side of my house 14 years ago
and the house was underpinned.
As far as building insurers are concerned, I am now a pariah !
Has anyone any comparable experience or helpful comments ?

benjaminM

If you are looking to move insurers your option are limited. You can try the Bureau who are specialists in previoulsy underpinned properties or PUPS as they are known. Another company worth trying would be Towergate.

You can contact both the above insurers direct or you can go via a broker.

http://www.bureauinsure.co.uk/

http://www.towergatehousehold.co.uk/underpinned-property-insurance.aspx?cid=3&gclid=CL3hu8frmqQCFRr92AodGUjYFQ

dogbot

It is worth talking to other specialists like high net worth insurers or brokers who are able to discuss cases in more detail with underwriters and look at the case individualy. The above two are certainly worth a try.

Talk to the current insurer too and discuss it with them particularly if there is no new sign of movement.

The problem is, underpinning was once thought to be the cure all, but it is now clear there was good and bad underpinning done.

EdGasket

Seems to be common practice unfortunately.
My subsidence was repaired by the insurers; I have a certificate stating it was to the correct standards but now insurers will not insure me; even for contents !!!
I have now got insurance but only with all subsidence risks excluded; the premium is now quite cheap though.
All other options worked out far too expensive so I decided to take the risk of any further subsidence myself as I have some capital put by.