Protect Your Home From the Risks of Subsidence This Summer

Protect Your Home From the Risks of Subsidence This Summer – With summer forecasts suggesting lower than average rainfalls and warmer than average temperatures, homeowners are being warned about the dangers of subsidence – or the sinking of land level. A consequence of abnormal heat, subsidence can cause big cracks and major damage to homes. It can occur when the ground beneath a home dries out due to hot or dry weather, and becomes unstable as a result.
What’s more, properties with trees are at higher risk because roots of trees grow in search of water when the weather is dry or hot – ultimately taking moisture from the soil and drying the ground out further.
However, there isn’t much that can prevent subsidence from occurring, as weather is uncontrollable. What’s more, the costs of repairing damage from subsidence can be sky high, which can ultimately cause even more problems for homeowners – particularly during the economic crisis. Yet there are still steps homeowners can take to protect themselves from the costs associated with subsidence.
The first step is to have a comprehensive home insurance policy in place. If subsidence occurs and requires you to have major repairs done on your house, insurance will cover the costs and spare you the monstrous bills. However, it’s vital to source home insurance policies that actually cover subsidence.
Never assume that a policy will cover you, as one of the worst things to discover is that you’re not protected when you need protection most. So when searching for a home insurance policy, always enquire about the details of what is and isn’t covered. If you already have a home insurance policy in place, contact your insurer to confirm that subsidence cover is included in your plan. If a current or prospective insurer does not cover subsidence, it’s possible to find specialist insurers who do.
Another step that homeowners can take is to “underpin” their property. This is a process which entails concrete being poured into the foundations of a property for bolstering purposes, and should only be undertaken by a professional building company. It’s also advised that property owners prune the trees around their property on a regular basis, discouraging the roots from de-stabilising the ground. Finally, property owners should check for leaking drains, which can also weaken the ground beneath the property.
So, while many properties are at risk of experiencing subsidence this summer, ensuring you’re protected – and taking those few extra preventative steps – can make all the difference with regard to repair costs and measures.