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Subsidence Advice please.
redtreeant
Posts: 1 Newbie
Hi,
Background:
Since April my house has started to show damage from subsidence, there is a large crack running down where my garage is attached to the house, the crack is wider at the top and is now approx 30mm wide. There are also 30mm cracks in the damp course.
My insurance company 'Churchill' have appointed a Structural Engineer who has identified the problem as a huge oak tree on a neighbour’s property which we are currently trying to get taken down.
My questions are:
Can I trust the opinion of the Structural Engineer as he is working on behalf of Churchill, or do i need to get my own report?
Can a crack of 30mm be repaired or is a rebuild needed?
If repaired properly will it affect the house value? if so should I be compensated for this by my insurers?
thanks.
Background:
Since April my house has started to show damage from subsidence, there is a large crack running down where my garage is attached to the house, the crack is wider at the top and is now approx 30mm wide. There are also 30mm cracks in the damp course.
My insurance company 'Churchill' have appointed a Structural Engineer who has identified the problem as a huge oak tree on a neighbour’s property which we are currently trying to get taken down.
My questions are:
Can I trust the opinion of the Structural Engineer as he is working on behalf of Churchill, or do i need to get my own report?
Can a crack of 30mm be repaired or is a rebuild needed?
If repaired properly will it affect the house value? if so should I be compensated for this by my insurers?
thanks.
0
Comments
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He's working for you. He has identified the problem. I don't see any need for a separate report. He has a professional duty to get it right which is more important than any loyalty to Churchill - he is likely to be independent anyway.
It probably will affect your house view. Your insurers will cover the cost of the work minus your excess (usually £1000 for subsidence). They will not recompense you for any loss of value, that isn't their job.
It will probably be repaired. It wouldn't mean a rebuild.
Might be worth asking about the technicalities on the insurance board. It's not really about house buying - you will find people with relevant experience on the insurance board.Everything that is supposed to be in heaven is already here on earth.
0
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