Specialist UK Brokerage

Subsidence Insurance Specialists You Can Trust

Expert cover for properties affected by subsidence, underpinning, or structural movement — arranged by brokers who understand the risk.

Years specialising in subsidence

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Difficult cases successfully placed

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Specialist insurer relationships

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Quote success on declined risks

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5,000+

Complex risks successfully insured

What is subsidence insurance?

When standard cover isn't enough

Subsidence is the downward movement of the ground beneath a building, often causing cracks, sticking doors and structural instability. Once a property has a history of movement — or even a hint of risk — most mainstream insurers refuse cover or apply punitive terms.

Specialist subsidence insurance protects you against the cost of further movement, repairs and underpinning. As an independent broker with deep underwriter relationships, we secure cover where high-street insurers won’t.

What we cover

Protection for the properties
others won't touch

Subsidence-Affected Properties

Homes with current or historic ground movement issues.

Underpinned Homes

Continuous, competitively priced cover post-underpinning.

Heave & Landslip Risks

Specialist cover for upward soil movement and slope failure.

High-Risk or Declined

Tailored solutions where mainstream insurers say no.

Why standard insurers decline

The reasons most policies say "no"

Mainstream insurers rely on automated risk models that flag and reject anything outside narrow criteria. We look beyond the algorithm.

High structural risk

Soil type, tree proximity or historic mining trigger automatic declines.

Previous claims history

Even a single subsidence claim can blacklist a property for years.

Underpinning or repair work

Most insurers refuse cover for any property with a structural intervention on record.

Your solution

Where others decline, we deliver

Specialist Insurer Access

Direct lines to underwriters who write subsidence risks.

Complex Case Experience

Decades of placing the cases other brokers won’t take on.

Surveyor-Backed Advice

We interpret reports and present risk in your favour.

Tailored Underwriting

Bespoke terms negotiated case-by-case, never auto-rated.

Our process

From first call to confirmed cover

Initial Consultation

Speak with a specialist about your property and history.

Property Assessment

We review surveys, reports and any prior claims data.We verify credit, employment and rental history.

Insurer Matching

We approach underwriters most likely to accept your risk.

Custom Quote

Receive tailored terms, premiums and cover options.

Case study

"Five insurers refused us. Within a week, we had cover."

James, the owner of a 1930s semi-detached home in Surrey, discovered hairline cracks after a particularly dry summer. A structural survey confirmed minor subsidence linked to a mature oak tree. The tree was removed, repairs completed, but every mainstream insurer at renewal declined cover.

Within 48 hours of contacting us, we obtained the structural engineer’s report, presented the case to a specialist underwriter and negotiated competitive terms with full subsidence cover reinstated.

Today, James enjoys continuous cover at a fair premium — and the peace of mind that his home is properly protected.

“I’d given up. Within a week they had me insured at a sensible premium. Genuinely expert.”

— James R., Homeowner, Surrey

Common Questions

Frequently Asked Questions

Can I insure a house with previous subsidence?

Yes — this is exactly what we specialise in. Provided the cause has been investigated and any necessary remedial work completed, we can almost always arrange cover, including for properties that have been underpinned.

Is subsidence insurance expensive?

Specialist cover typically carries a higher premium and excess than standard buildings insurance, but our access to multiple underwriters ensures you receive the most competitive terms available for your specific risk profile.

Do I need a survey?

For most cases we’ll need a structural engineer’s report or recent survey to present to underwriters. If you don’t have one, we can advise on the most cost-effective route to secure cover.

What if my property is currently moving?

Active subsidence requires a different approach. We can still help — typically by arranging cover that excludes the active issue while it’s monitored, then transitioning to full cover once stability is confirmed.

How long does it take to get a quote?

Straightforward cases are often quoted within 48 hours. Complex risks requiring underwriter referral typically take 5–10 working days.

Do you cover commercial and listed properties?

Yes. We arrange specialist subsidence cover for commercial premises, listed buildings, period homes and non-standard construction.

Get specialist advice today

Talk to a subsidence insurance expert. No obligation, no automated rejections — just clear, considered advice.

Subsidence Insurance Specialists You Can Trust

When standard cover isn't enough