Subsidence in garden breaks drains

rocky028

Hi, i have a problem with my BTL property. There has been around 4 inches of subsidence in my garden at the patio. This has caused my drains underneath the patio to break as the subsidence has caused that part of the drain to drop.

I have already spent a lot money getting this fixed and i will need to pay more to get a manhole fitted.

Is this problem covered under my landlord insurance??

Thanks for any help

huckster

What does it say under the peril of subsidence ? Have a read of the policy and if you are unsure, can you add a link to the policy wording that may be online. Or type it up. People can then comment.

Normally subsidence claims can only be made against the building.

vaio

even if it is covered think very hard before claiming as it will make future insurance very hard to get and ££££££

rocky028

My policy covers accidental damage to the drains. Does subsidence come under this? I'm not sure what is causing the subsidence. I think i will be very hard to find out too

G_M

rocky028 wrote: »

Hi, i have a problem with my BTL property. There has been around 4 inches of subsidence in my garden at the patio. This has caused my drains underneath the patio to break as the subsidence has caused that part of the drain to drop.

I have already spent a lot money getting this fixed and i will need to pay more to get a manhole fitted.

Is this problem covered under my landlord insurance??

Thanks for any help

If you were going to claim the time to do so was before you started work. A claim for work not authorised by the insurer is unlikely to be met. So that limits you to the remaining work.

Given the excess you doubtless have to pay, and the increase in future premiums, and the fact you'll have 'subsidence' on your property history, is it now worth it?

As fo whether the poicy will cover you anyway - that depends on the policy! I can't read it from here!

rocky028

The excess is £200. I have already paid out £500 to temporalary fix drains and it will cost a further £900 to complete the job. I never thought about having the word 'subsidence' associated with my property. I didnt think it would make a big difference to future policy prices as it was outwith the house. Its only subsiding in a small part of the garden. Maybe i am being totally naive here?

gregd_3

You sure its only a £200 excess, subsidence claims normally carry a minimum £1000 excess

huckster

rocky028 wrote: »

The excess is £200. I have already paid out £500 to temporalary fix drains and it will cost a further £900 to complete the job. I never thought about having the word 'subsidence' associated with my property. I didnt think it would make a big difference to future policy prices as it was outwith the house. Its only subsiding in a small part of the garden. Maybe i am being totally naive here?

Yes you are being a little naive, as you don't really want to be noting your property as having 'subsidence issues', when it is just the case of a problem affecting the drains.

I doubt anyway that the problem you describe would be covered by Insurance anyway. So best to resolve the drain issue yourselves.

withabix

It is very likely that the 'subsidence' will have been caused by the drain leaking and not the other way round.

Therefore the damage to your patio (the effect) is likely to be covered due to the drain, however the repair to the drain (the cause) would not.