Underpinning

JustinOwen

Hi there. We bought our house in 2010, knowing that a part of the property had been underpinned in 1992. 10 years on & 28 years after the underpinning (with no issues) do I have to still "declare" this? We're paying approx. £300/£400 more per year because of this.
Please advise
Justin

TELLIT01

Check with your insurer.  Some may have a time limit post underpinning, others may require continuous reporting.

dunstonh

It all comes down to how the question is asked. e.g.

"Has the property ever....." - means you have to declare it

"in the last 10 years, has the property......" means you do not.

Subsidence is more understood nowadays than it was in the 90s.   Often back then every bit of movement was referred to as subsidence and underpinning was the go to answer.   Nowadays, it is realised that it isnt necessarily the case and most do not need extreme measures like that. So, the quality insurers often take a more balanced view using individual circumstances.  The comparison sites will often just bulk you in the high risk pot and charge you more or even not offer cover.