Shrink swell subsidence is by far the largest cause of natural subsidence insurance claims in the UK. Hot summers can see a surge in claims, with 10,000 claims for £64m recorded in the summer of 20181.
Given that most policies have an excess of around £1,000 for subsidence claims, the expense and inconvenience involved in dealing with subsidence issues are considerable, even before you factor in additional complications such as future insurance availability and resale value.
Traditionally conveyancing reports have been able to give you an indication of how prone certain types of ground are to subsidence, but have not been able to take account of other factors which can make a property more or less prone to actually subsiding. As a result, large swathes of the south east, for example, are shown to have a high potential for subsidence, but only a fraction of those will ever experience significant issues. Even a full physical survey can only identify where subsidence has taken place, rather than where it is more likely to happen in the future.
However the British Geological Survey (BGS) have just launched an exciting new dataset which helps to further explore the relationship between properties, trees and the ground to give a much more detailed assessment of whether the property is at elevated risk of shrink swell subsidence.
It’s not just the ground underneath your house
Other factors which can influence whether a property is more likely to be prone to subsidence include:
- Distance to trees and their zones of influence
Many subsidence insurance claims are linked to damage caused by trees. Damage may occur as tree roots take up water from the soil, causing the ground to dry out and shrink causing uneven settlement. This occurs predominantly during the spring and summer months. Areas with many older houses and old style shallow foundations can be seriously affected. - Age of property
Changes in foundation design and building regulations mean that the age of a property can give an indication of foundation depths, which can impact the building’s ability to withstand ground movement. - Drainage
In 1950 there was a change to building practices to use plastic rather than clay pipes. Clay pipes are more likely to crack as a result of ground movement, and the resulting leakages can exacerbate existing issues. - Building type
Different types of building (e.g. bungalows, terraced property) have an influence on the extent of property damage if ground movement does occur. For example a terraced property may be better supported by buildings on either side than a detached property. - Number of storeys
An increase in the number of storeys to a property increases the weight present above ground, and can therefore cause a property to be more significantly impacted by ground movement.
Reference
This article was submitted to be published by Groundsure as part of their advertising agreement with Today’s Conveyancer. The views expressed in this article are those of the submitter and not those of Today’s Conveyancer.
