Abi Domestic Subsidence Agreement

Ground movements can affect where a building is under its foundation. Lifting, landslides, subdivision and subsidence can cause damage to a property and upset its owners or occupants. While not all subsidence problems can be avoided, there are some simple steps that can be taken to protect your belongings and avoid long-term problems if you live in an area of clay soil: subsidence must be stopped before the property is still damaged. As an insurer, you need to identify the cause of subsidence and stop its effects on the ground, for example by removing or pollinating vegetation or repairing leaks. Most property insurance only covers the costs of repairing damage caused by reductions and does not proactively prevent future reductions. The important thing is to make the property stable. Longer and warmer dry weather is one of the causes of subsidence and probably the main reason for this year`s increase in claims. Another cause that can further aggravate the situation is excess vegetation, which absorbs the remaining moisture in the soil. Among the worst culprits are poplars, oaks and pastures, which have root networks of more than 30 meters, capable of absorbing more than 50,000 liters of water each year. Depending on the position of the root networks in relation to a building, the absorption and contraction of the soil can be uneven, which ultimately leads the building to move in different directions. Support means that a solid foundation is placed underground to support or strengthen a building.

This may be necessary, for example, due to subsidence, when the ground moves under a piece of land and hits its foundation. Without legal action, you cannot force third parties to reduce or remove their trees. However, if you weren`t ready to fund a lawsuit, we expect you to have found another way to stop the movement so you can repair the subsidence damage. If the customer was aware of the discounts when buying the new policy but had not disclosed it, the current insurer might still be able to lift the policy due to substantial secrecy. If you think that your property has suffered damage to subsidence, contact your insurer as soon as possible. She will advise you on the next steps. If necessary, your insurer can send a specialist/engineer to your home to examine the damage caused by the reductions and determine the cause. The Association of British Insurers (ABI) has reached an agreement with all its members that, if a reduction is found within eight weeks of switching providers, your previous insurer is responsible for handling the damage. The first sign of subsidence is usually the appearance of cracks in the walls of your home, either in the interior plaster or in the exterior masonry. Subsidence cracks are very different from other cracks. They usually appear suddenly, especially after long dry periods, and tend to learn what to do, from the first signs of subsidence to the definitive resolution of the problem…

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