Subsidence happens when a house is slowly sinking or collapses into the ground. In doing so some of your building’s foundations may go with it. Putting a direct strain on your buildings structure. This can be a very serious issue; it can affect the structure of your property but also can affect on the selling value of your property.
Some of the factors the can cause subsidence are:
- The type of soil you have. Clay like soil can shrink and crack especially in hot and dry weather. This makes the ground unstable and potentially causes the foundations of your building to sink. If you live in an area prone to droughts you are much more likely to suffer from subsidence.
- Trees and shrubs can also cause subsidence. Especially if they are close to the foundations of the building. Trees and shubs also require water to grow meaning your soil will be much drier. In turn this can cause issues.
- If you own a older building you may have the foundations themselves to deal with. With older homes being more likely to have shallower foundations.
- In some areas of the UK local mining activity can play a major part in causing subsidence. Former Quarrys and pit sights can also cause issues.
- If you have a leaking drain or water main this can soften and wash away and soil. Causing remaining soil to be compacted under the weight of your building.
What are the signs of subsidence?
According to PropertyDefects.co.uk, the most obvious signs of subsidence are cracks, sticking doors and windows and the ripping or peeling of wallpaper. These cracks will be thicker than a 10p coin. normally diagonal being wider at the top than they are the bottom. They will likely be either internally in plasterwork or outside in brickwork.
Sticking doors or windows, this is because the door and window holders begin to bend.
The damage may first present itself in imperfections in the wallpaper, if this wallpaper was removed there maybe cracks under it.
What if you have subsidence ?
If you think your home is suffering from subsidence inform your insures straight away. They will then arrange for a full survey to establish if there is subsidence present. Once this and the full extent of the damage is established then repairs can start to be made. It is recommended that you go with a trusted contractor who specialises in subsidence to complete any repairs needed.
Managing an insurance claim after a fire or flood can be a very complex and frustrating procedure without any help. By appointing Public Loss Adjusters Scotland, we will productively handle all insurance related negotiations, working in your best interests to ensure that your end settlement is complete and that 100% of your entitlement is achieved. Our goal is to ensure that you aren’t at a disadvantage – each claim will be dealt with by a CILA (Chartered Institute of Loss Adjusters) member and supervised and reviewed by a qualified chartered loss adjuster.
We have an outstanding professional relationship with many of the leading building restoration companies which enables them to provide their services at no cost to you. Our professionals have over 65 years of combined experience in dealing with insurance claims and know exactly what is expected from the insurance provider.
Public Loss Adjusters Scotland provide a 24/7 helpline service where we can provide free help and advice with insurance claims when your property has been effected by:
- Fire damage
- Flood damage
- Theft damage
- Impact damage
- Malicious damage
- Water damage
Our Scottish Independent Loss Adjusters offer a complete loss adjusting and claims management service, providing full assistance at the time when you need us the most.
Appointing us ensures that your property insurance claims process is dealt with swiftly and efficiently. We understand how important it is to resume back to your usual operations after your home or business has experienced some sort of damage, which is why we work to ensure it is done in the shortest time possible.
By keeping the pressure on your insurer to make sure that there are no hold-ups with your claim for whatever reason, as soon as we get the approval from your insurer, we can appoint our building contractors to reinstate your property and get you back on track.
As loss adjusters and claim handlers, our main objective is to work in your best interests at all times. Our professionals are credited in claim negotiations and are confident that you will achieve what you are fully entitled to under your policy’s terms and conditions.
Depending on how bad your CWI (Cavity Wall Insulation) is, you could be owed thousands in compensation. This is due to your cavity wall being wrongly installed, or having been installed incorrectly. It also depends on what time of building your property is. The issues you face regarding cavity wall insulation problems could end up being potentially dangerous, unless you come forward and discuss the cavity wall problem.
The removal of cavity wall insulation has to be completed by an expert with extensive knowledge and training to carry out the whole procedure. This takes time and effort, and when completed correctly can have an effective outcome. This is so that piece of mind is given to the customer to ensure that the exact same mistake is not made again the second time.
Furthermore, if you are unsure of anything regarding your cavity wall, it is crucial for you to carry out your suspicions and they could potentially dangerous in the future. If the cavity wall insulation issue is caught early, this may prevent further damage towards the wall. Not all cavity wall insulation problems are potentially dangerous, although some can be, there are many problems that can trigger problems with your cavity wall insulation. The Cavity Wall Insulation Claims team have various years of training and knowledge to help you with you claim.
When dealing with your cavity wall insulation claim, we ensure that all problems found and claims brought forward will be fully discussed with you. Top of the range modern equipment is used to remove the cavity wall insulation, then replaced with fresh insulation materials. My Cavity Claim may ensure that your cavity wall insulation claim will have an effective outcome. The sooner you address your cavity wall claim issue, the sooner the issue can be prevented. You should come forward if you believe you are in need of a cavity wall claim. To find out if you are entitled to cavity wall insulation compensation visit My Cavity Claim.
Are You In Need of a Flood Restoration Company to repair your property?
A flooded property can be a devastating occurrence, and not only is there a lot of flood restoration work to do, but it can also leave you feeling confused. You need a team of expert who specialise in this type of work and can help you return to your normal routine quickly. MMS Contractors can do this and more! MMS specialise in flood restoration as well as many other insurance repair related incidents.
Each of their fire and flood restoration professionals have the acquired skills to restore your property after it has been affected by a flood, as well as being able to help sensitive clients. We are here to help you and to make the situation more bearable in your time of distress.
A flood can cause a lot of lasting damage, which can become a health hazard if it is not attended to. After the standing water has been extracted, then the most common effect of a flood is damp. If this is left in an area that is high in humidity, then it can grow into mould.
Our recommended experts will be able to analyse the damage that has been caused by the flood, both obvious and hidden. They will also be able to explain to you what damage has been done and what the best course of action is. The contractors that we recommend will be able to carry out flood restoration and therefore minimising your worry.
This process will be kept as hassle free as possible by everyone, meaning that you will be able to do what you need to do and so that you can return to your everyday routine.
If your property has been affected by a flood, then Public Loss Assessors can help advise on restoring your property whilst we ensure that your insurance claims is managed on your behalf. You can call our 24 hour helpline now on 0800 865 4999.
Or, you can visit our website for more information. Just go to www.mmscontracting.co.uk