Subsidence Home Insurance

• Residential Properties • Subsidence
• Commercial Properties • Land Heave
• Standard Damage Cover • Underpinned Properties
• Accidential Damage Cover

We respect your time and although we have plenty of useful information below to help you make the right decision, for the fastest response to your insurance challenge, contact us now on 0208 308 4344 or e-mail us on info@westhill-insurance.co.uk.


If you own, or are considering the purchase of, either a residential or commercial property which is subject to subsidence, land heave or has already been underpinned, you will realise your options in arranging appropriate insurance cover online are extremely thin and shrouded in uncertainty - especially the worry of: "will the policy pay out in the event of a claim?" At Westhill, we focus on providing the right cover for your property so you won't have problems if you make a claim. See for yourself, from our customer testimonials, what some of our clients have to say about our service.

Subsidence insurance for your home
Many lovely homes suffer from subsidence. This in itself is not an insurmountable problem - more a minor irritation for the owners. However, if you own or are considering buying a property in a known subsidence area, help is just a mere phone call away. Westhill Insurance provide tailor-made specialist Subsidence Home Insurance policies to cover subsidence risk at cost-effective prices.

Commercial property subsidence insurance
Quite obviously, it's not just residential properties that suffer and you may have a commercial property with subsidence. If you have commercial premises which are affected by subsidence, land heave or have been underpinned - we can help you. Subsidence insurance is a specialised area and you would almost certainly benefit from speaking to us as we specialise in insuring property with subsidence problems.

What is subsidence?
Subsidence is when your property moves whereas, of course, it should be completely stationary. Typically you can tell subsidence is present when cracks appear in the walls, doors or windows stick, or wallpaper starts to ripple or tear to reveal a crack below. The specific cause may differ from home to home, for example there could be a history of mining in the area, or water abstraction, removal of trees, extensive planting of trees or even just the wrong type of soil (notoriously, clay enriched land) as these are all common conditions related to subsidence.

Certain areas of the UK are more prone to subsidence risk than others given geography and the make-up of the land that the homes are built upon. This automatically puts some properties into a high-risk-of-subsidence area and getting insurance can be both difficult and costly if you do not use an expert such as Westhill Insurance. If you are purchasing a property your solicitor should make the necessary enquiries to ascertain the possibilities of there being a risk of subsidence and a survey will certainly confirm the position.

Why use Westhill?
The average, standard buildings insurance will exclude claims made as a result of subsidence or if there is a history of subsidence at the property. It is absolutely imperative you mention this when seeking insurance cover - for there is little point in arranging an insurance policy which will not pay out in the event of a claim; rather it is better to pay a little more, and arrange appropriate cover. We fully understand the issues and we will offer cover to give you peace of mind.

It may be that your property has never actually suffered from problems of subsidence, but is considered to be in a subsidence area by insurers. At Westhill Insurance we understand the issues around subsidence and we will offer a quote to reflect the actual level of risk.

Whatever your individual requirements may be, call us first on 020 8308 4344 – that one call could save you so much.

Our Service Is Your Comfort
We receive many enquiries from those with building subsidence, having experienced claims difficulties in the past. This could be for a variety of reasons, but usually centres around issues of inadequate cover.

At Westhill we understand the importance of having appropriate cover from inception so that, in the unfortunate event of a claim, there won't be any difficulties or complications - after all, this is one of the principal reasons for purchasing insurance in the first place. So don't take any chances with your insurance cover and remember the adage; long after the sweet taste of a cheap price has been forgotten, the bitter taste of poor quality remains.

We often hear comments such as "my previous insurers didn't ask me that" or "my settlement was only at around half the value I claimed". So don't take chances, don't cut corners and, certainly, don't take anything for granted - speak to Westhill Insurance for the peace of mind you demand when insuring your prize asset.

Our Promise
We understand the complexities involved in arranging appropriate insurance cover for properties with subsidence issues or those that have been previously underpinned. From a modern home to a grand old mansion (and all in between), Westhill Insurance will expertly guide you through the process to ensure your valued asset is properly covered - giving you peace of mind.

Customer Testimonials
See for yourself what some of our Subsidence Property owning clients have to say about our service. You can also see more subsidence insurance testimonials.

I thought buying my dream home was not going to become a reality when I discovered the area is considered to be a subsidence hotspot, so thanks for all your help in providing me with a suitable insurance policy.
D O'K, South Norwood

I had been warned to expect difficulties in insuring my house because it has been underpinned and I am so glad I did my research and found Westhill Insurance - it has been a pleasure dealing with you and to have the peace of mind I am adequately covered.
Mrs T E, Redhill

I had never heard of underpinning before and when the cracks first appeared I was really scared. Although there was a fair degree of disturbance when the underpinning was done, I was very impressed with the claims service I received from the moment I first called you right until when the work was completed.
H L, Colchester

Please convey my appreciation to Damien for all his work. For the first time in years I actually feel I have appropriate insurance for my home, confident the insurers appreciate my property has been previously underpinned.
Mr E E, York

I thought I'd never get a good deal for my home insurance, because of its history of subsidence. I'm just glad I found Westhill, because you offered a great rate and your service is fantastic. Thanks.
Mr G W, Exeter

 As we say; at Westhill Insurance, we've got it covered!

Call us now on: 0208 308 0888

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