What are the Signs of Subsidence?

Identifying The Subsidence Signs

The sudden appearance of cracks in walls is one the first signs of subsidence. Although not all cracks will indicate that there is a problem, especially small cracks, you will generally find that diagonal cracks with larger gap towards the top can be a definitive sign.

Most buildings will stretch or shrink over time, particularly during hot and dry summer months where there is a prolonged period of hot weather. Also, if your property is built on a mixture of soil and clay, this can cause the ground beneath your property to cause movements which in turn can lead to subsidence due to a lack of moisture. Wet and cold periods can have a similar effect by there being too much moisture in the ground surrounding your property.

One of the main causes of subsidence is in fact trees growing close to your property. Larger roots can cause ground movements as they grow. Smaller roots can cause even more damage due to the sucking the out the water within the surrounding ground.

Other signs of subsidence could be to search for the sudden appearance of cracks on plaster and walls within your property, although this is quite normal in newly built properties. Also, look for gaps that may have appeared between the skirting boards and flooring. Also, If you have had an extension built on your property, such as a conservatory, a good place to identify subsidence would be to look to see if any gaps have appeared where the extension joins on to the property.

Identifying signs of subsidence

Where To Find Help With Your Subsidence Claim

If it is identified that your property is suffering from subsidence damage you will be glad to know that most property insurance policies will cover this. The downside of this is that they will only cover the repair of the subsidence damage but not cover the cause of the problem.

It may also be of interest to learn that there are a few companies out there who can save you the inconvenience of managing a subsidence claim on you own. One such company, Property Defects are specialists in managing subsidence insurance claims on your behalf.

They have a team of loss adjusters, chartered surveyors and building repair experts who can fully assess the extent of any subsidence damage and completely manage and negotiate your insurance claim on your behalf.…

 

Why Choose a Public Loss Adjuster To Manage Your Property Claim?

Public Loss AdjustersPublic Loss Adjusters are a nationwide insurance claims management company who cover the whole of the United Kingdom. Their aim is to help businesses and homeowners with property claims by ensuring that they receive their full entitlement when they have to submit a property claim. Public Loss Adjusters specialise in insurance claims related to fire, flood, storm, impact, theft and subsidence damage.

Generally, when you submit an insurance claim to your insurance company, they will send out a loss adjuster who will assess any damage that may have been caused. They will then report back to your insurer to make a recommendation of the costs involved to repair your property. Your insurer will then submit an offer to the policyholder.

One of the main problems with this is that generally, the policy holder may know the real costs of repairs and also how much they should be entitled to for any other losses. This is where Public Loss Adjusters can help. Because they work independently of the insurer they can identify the real cost of repairs and losses whilst working on behalf of the policyholder.

In other words, Public Loss Adjusters will be working on your behalf to ensure that you receive your full entitlement. Many insurance policyholders simply do not know that this type of service is available to the general public but in fact, you are perfectly within your rights to use take advantage of a service like this.

Many policyholders have the mindset that because they are paying for an insurance policy, they generally trust their insurer to look after them. What they may fail to grasp is that an insurance company is a still a business and they have to make a profit. After all, they would not exist if they didn’t make any money, would they?

Appoint a Loss Adjusting Company to Work on Your Behalf Instead

Once you appoint Public Loss Adjusters they will manage the claim entirely on your behalf. This will include all negotiations with your insurer. They will also thoroughly examine all the fine print on your insurance policy to ensure that they claim on everything that you are entitled to. Dependent on your policy, this may include amongst others, making a claim for alternative accommodation, loss of earnings, loss of rent, any contents in your property.

At this point in time you may be asking what is in it for Public Loss adjusters? Well they offer 2 services to choose from. First of all, they offer an insurance claims management only service where the policyholder can opt to take a cash settlement. For this they charge a straight 10% (plus vat) commission from the final figure. There are no upfront costs as this fee is deducted directly from the final settlement figure that the insure pays out.

The second and most popular option is to allow Public Loss adjusters to manage your property claim and appoint one of their reputable recommended building contractors. With this option any fees that are …