Getting home insurance after differential settlement

rs-px

Our home has experienced differential settlement over the past 20 years at various times (always in the same place though). It's a detached bungalow built in 1924. We had it fixed via resin injection late last year, and got a Certificate of Structural Adequacy (CSA).

I'm finding it hard if not impossible to get home insurance. The mistake might be that I'm selecting the "subsidence" option when getting quotes, or answering yes when they ask if there have been cracks over a few millimetres. At that point I just get told they can't cover me. 

What am I supposed to do here? There's no option to provide them with the CSA and in any event, there's mixed professional opinion about whether differential settlement is actually subsidence. To be 100% clear, none of the structural engineer reports have ever used the word subsidence. They always said differential settlement. 

Thanks in advance for any help.

DullGreyGuy

If your current insurer has treated it as a settlement claim, which is the point to check, then they will be one of the exceptionally few that will be willing to offer continued subsidence cover. 

rs-px

It wasn't done as an insurance claim.

With the insurance last year I just reasoned in my head that subsidence was not differential settlement, so answered NO to that question. And now that company has seemingly been bought by another and stopped offering household insurance, so I can't renew.

rs-px

Just in case anybody's reading this in the future, it looks like Acorn have accepted us for household insurance. They want to know the details about the cracks/differential settlement, and I'm sending them the certificate of structural adequacy. The cost the insurance was pretty competitive, although still very high (as with all household insurance nowadays).