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Reading the risk
For: Property with subsidence history
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Property with previous subsidence; the key distinction is stabilised, repaired damage versus ongoing movement. Underwriters will focus on cause, claim dates, remedial works and engineering evidence before considering subsidence cover.
Where to start
Aviva (Farm and Agriculture) (varies by product) Source
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We found 185 UK markets that write property with subsidence history risks: 47 insurers, 115 MGAs and 23 Lloyd's markets. Commonly listed: Vasek Insurance, Glemham Underwriting.
Date and cause of movement, completion of repairs with a certificate of structural adequacy and any monitoring since will be asked for. Nearby trees, shrinkable clay soils and drainage defects are common sticking points.
previously underpinned property, subsidence claim history, heave or landslip history, structural movement
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