Subsidence Damage Insurance Claims

Broken pipes due to subsidence of building on a peatbog.

Subsidence is caused by the undermining of the foundations of a property (usually caused by escape of water from underground pipes).  Downward movement in the foundations can result in cracks in the structural walls of a building. Managing a successful subsidence claim is essential in restoring your home to a structurally sound state.  However, subsidence claims can be very difficult to negotiate, and require dedicated professional representation with detailed insurance knowledge, to succeed.

To establish if you have an admissible subsidence claim it is necessary to prove the cause and source of any cracks.   This requires a specialist investigation and engineers report to determine the exact cause of the damage.  We have been dealing with subsidence claims in Ireland for over 50 years. We have a panel of expert engineers and specialist contractors who can investigate matters on your behalf.

Usually, a CCTV drains survey and a water mains test will establish if there are leaking pipes that could have caused the cracks to appear.  Trial holes and soil probes can establish the ground conditions and the bearing capacity of the subsoil.  We recommend experienced specialists to assist in the process and have established relationships with the right experts to produce the necessary reports and paperwork to support your case.

The agreed remedial works need to be specified and supervised by a structural engineer. Repairs usually involve under-pinning the foundations and undertaking crack stitching repairs and all associated works.  Your policy covers the cost of Engineers fees once policy liability has been accepted.

Claim Management Group recommend specialists who will work to establish the cause and the solution. Subsidence claims can be slow to resolve.  Your insurer will usually appoint their own loss adjuster and engineer to examine and challenge the evidence before they will admit policy liability.  This step is necessary before they will entertain any meaningful negotiations.

Our role ensures that you will receive the maximum amount for your subsidence claim, and that your subsidence damage will be dealt with by the best subsidence repair experts. We can compile a full statement of claim and recommend the right people to produce the necessary reports and paperwork.  If there is disruption to your property, we can include for alternative accommodation costs if you must vacate the premises to facilitate the repairs.

We offer a no obligation free initial consultation. One of our experienced Property Loss Assessors will discuss the issues with you and we will keep you informed of the progress at every step in the process.

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