This can affect the foundations and structure of the building and result in damage along similar lines to subsidence. The nightmare began last September, when a water leak damaged several rooms in the family’s Glasgow home. We are happy to handle this critical aspect of your claim and work. Properties can also be at risk of ‘heave’, which is when the ground swells, usually because of excess water in the soil due to flooding or the removal of trees and other vegetation. However, many personal injury firms dont get involved in the property damage side of things. Homes built near former mines or quarries can also be unstable due to the material used to fill the sites shifting as it decomposes. Clay soils are prone to greater amounts of shrinkage during prolonged periods of heat and drought – and the south-east is also the area most affected by a lack of rainfall in recent years.īuildings with shallow foundations can also be more susceptible to subsidence, as can those with trees or large shrubs in close proximity to the property. You’ve gathered all the information you could. Okay, you’ve called all the right people. The dry ground becomes unstable and can no longer support the property and its foundations.Īreas most at risk include regions with a high proportion of clay in ground soils, such as the south-east. What About Mold Contact your insurance agent or carrier to file a claim Divide damaged property from undamaged property Document evidence of the water. When you’re making a homeowners insurance claim, you’ll need to fill out a Proof of Loss statement and list any items that were stolen or damaged and how much it would cost to replace them. Subsidence can happen when the ground loses moisture and shrinks, such as after prolonged dry spells or if vegetation draws large volumes of water from the soil. This puts pressure on the building’s foundations, resulting in cracks in the walls. Subsidence occurs when the ground beneath a building starts to sink. Terrell was incredibly knowledgeable and helpful in evaluating my homeowners insurance needs and promptly providing an accurate quote. New West End Company BRANDPOST | PAID CONTENT.
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