Subsidence Damage Case Study

DSC08624
Subsidence claims are very technical in nature and are generally difficult to prove.

The policy wording usually includes lots of exclusions and there are many conditions which have to be met, before the claim is even considered. 

Cracking to buildings can be caused by many things, so unless you are a structural engineer or you have substantial claim management knowledge, get some help, other wise your claim may be declined.

 

Below is a description of a subsidence claim we have recently managed. 

ICS appointment came following a referral from a previous client. The property was a terraced 2 storey house in south Dublin built in the 1940’s. Earlier this year the owner became very concerned as a number of large cracks started to appear on the external and internal face of external walls.

DSC08621 DSC08623 DSC08631 DSC09927

Subsidence Claim – Action Taken

We arrived at the property within 24 hrs from the call and carried out a lengthy survey. We found that the 3 external walls had structural cracking, the windows and doors were difficult to close and the flooring was not level. We also noticed that the benching on the pipework in the main drain had broken. The missing/damaged benching on the pipework was allowing the water to escape straight into the ground causing the ground load bearing capacity to be compromised.

ICS reported the claim to insurers and they appointed a technical loss adjuster to attend site. We met with the loss adjuster and demonstrated the loss by showing where the water was escaping.
We then appointed a structural engineer to carry out a full structural survey, organise trial holes etc to further prove our case. The insurance company appointed their own engineer to look after the insurers interests.

ICS worked closely with both structural engineers to ensure that our client’s interests were protected. As a result we managed to prove that building was so extensively damaged that it required a full demolition and a new rebuild.

Lenghty negotiations with the insurance company loss adjuster followed, and as a result the client received a favourable settlement which allowed him to reinstate the property to current regulations and as new.

 

Subsidence Claims – The Value of Expert Advice

As we are not just insurance claim managers but also qualified building surveyors, we knew from our experience where to look.  Areas, materials and surrounding rooms that initially don’t seem to be damaged, are often affected down the line. It is very important to establish/uncover these at the outset to ensure that you get your full compensation for your loss and don’t miss the hidden damage.

Subsidence crack between window and wallThe advantages of employing a professional claims assessor.

  • No paperwork to fill out- ICS take care of this
  • Access to our expert specialist partners to commence repairs without delay.
  • Full claim management from start to finish from a registered building surveyor and regulated insurance expert.
  • Peace of mind that no damage is left undiscovered
  • Achieve more favourable settlement terms with considerably less stress
  • Expert guidance, support and assistance in all areas of the claim an experienced professional building surveyor. Claims are our core business and we handle 100’s of claims every year.
  • As ICS are owner operated the policyholder receives a 1 to 1 personal service.

Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

Google Reviews

Custome Reviews
Karl Spratt
Karl Spratt
16:47 28 Nov 22
Recently had a bad leak in our upstairs bathroom, I was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor and the Team at Insurance Claim Solutions made everything hassle free, they dealt with all aspects of our claim. Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
Susie Webster
Susie Webster
12:35 03 Nov 22
Recently had a bad leak in my bungalow, was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
N roy
N roy
19:20 23 Oct 22
Trevor was recommended to us only 4 weeks ago. We had a leak in kitchen which we thought would need just a new floor. Trevor came in and from that moment onwards we were in safe hands, far more damage than we ever thought thanks to Trevor, he did all the work with our insurance company, no hassles at all. If you have something happen at home and are thinking of using your insurance look no further than Trevor. His knowledge his second to none, best decision we have made in years. 5 stars isn't enough.ThanksNigel and Mags
Graham Nugent
Graham Nugent
09:24 20 Oct 22
I am delighted to recommend Insurance Claim Solutions to anyone facing a need to submit a home insurance claim. We had a significant escape of water from our attic tank while we were away, and came home to quite a smelly mess and water damage. We contacted Insurance Claim Solutions and really appreciated Trevor Kelly's attention to detail, and his professionalism. Trevor is a really good communicator and he is friendly, he took away all of the hassle and bureacracy for us; and as an industry expert he was thorough in preparing our claim and negotiating on our behalf. We handed everything over to Trevor and had no regrets; now that the claim has been settled, we could not be more satisfied. Thank you Trevor.
Eoin Donohoe
Eoin Donohoe
09:21 30 Sep 22
I recently worked with Trevor on a housing claim that required experienced support from a top quality professional. Trevor certainly is a high quality professional who provided great support. Trevor is a great communicator and was extremely good at keeping me up to date on how the process was progressing. He kept me reassured that the issue had his focus and commitment at all times. I would highly recommend Trevor.
See All Reviews
js_loader