Very Minor Subsidence / Home Insurance

Andy9376

Ormus - I assume it's a bit late now I have had them send a loss adjuster out?

keystone

Andy9376 wrote: »

but the LA said it was subsidence.

and I'd venture to suggest that he hasn't the faintest idea what he is actually talking about especially if he has already condemned the tree which may have nothing whatsoever to do with it. BTW my questions about the tree are very germane. This may be salvageable but as Ormus rightly points out once its on record..........

Cheers

Andy9376

I'm not sure what brand it is, but the main trunk is probably 15 feet tall, and c 5 metres from the extension. The extension has been up years - 15-20 I would guess. I have been in here for 11.

ic

It doesn't matter whether you've made a claim - insurers will usually tuck a line away within their assumptions that they make when providing a policy (which its down to you to notify them about, if you don't then later claim, they may use this as a reason not to insure you). Looking at esure's assumptions, one of them you have to agree to is "[the house to be insured] has never been damaged by subsidence, heave or landslip". So regardless whether you paid or if you claimed, you have to tell them...

Andy9376

On that basis there is no benefit to not claiming? I guess any benefit derived from NCB will be more than offset by the subsidence issue.

Andy9376

If there is a chance of salavaging this situation, I'm all ears.

I assume this is now in the 'system'

Many thanks

ormus

and you might be stuck with one insurance company. all of the others will not (might not) even quote you.

Andy9376

As I feared.... That will make selling it nice and simple then!

keystone

ic wrote: »

[the house to be insured] has never been damaged by subsidence, heave or landslip".

Thats the point - OP has to get the LA away from his "subsidence due to the tree" opinion. If it were subsidence it would affect the whole house not just the extension so he has some settlement, if the tree roots (because of the type of tree it is) won't come anywhere near the founds then that is not a cause of the settlement, if the tree is of the type that takes gallons of water out of the greound on a daily basius removing it could actuially lead to a heave situation which could be more problematical. TBH if its subsidence it ain't going to cost only £1k to fix. So he probably needs an arboricultural opinion and a building surveyors opinion quickly to help fend the LA off at the pass. If he can get it to a settlement and not much to do with the tree diagnosis (provided that is correct diagnosis) then he can genuinely answer the question you pose with No it has not.

Cheers

ormus

generally i would not be contacting the insurance co unless the job was costing say 2k or more.
maybe a lot more.