Insuring a house with "subsidence"

paddy96

We purchased a house two years ago that our solicitor advised us had subsidence. After further investigation the "subsidence" is a root of less than an inch in diameter that grew through the back wall of my garage that is about 6mtrs from my house but within my boundary. This has now all been repaired by the old insurance company.
My question at the time was do I have to declare it to insurance company's? yes came the answer.
How ever after talking to someone the other day they said I should not have to declare this as it is not really part of the house foundations. And the house is in very good structural repair and the fact it is so far from my house.
My insurance is up for renewal soon and as soon as I mention to new insurers the dreaded word "subsidence" I am told they will not insure me. I however can get insurance from a specialist company but they are charging a premium. When I did a comparison the other day i can get over £200 of the premium.
So my question is do I really have to declare the "subsidence" to insurers?

HappyMJ

If you do not declare it and the same issue arises again you may find you have no insurance. I would highly recommend you declare it. You may have to employ the services of a broker to ask some advice and show the invoices regarding the completed work. You may find that it could be ignored with regards to the house and you could have a option of having no coverage on the garage (outbuilding).

paddy96

The likely hood of it occurring in the same place are highly unlikely as the hawthorn bush has been completely removed and the wall has been repaired the extent of the damage was minimal really. not sure why the previous owners even went through insurance as the cost was only in the region of £1000!