house subsidence

geoffdown · 13-10-2013, 13:16

Ok guys whats best to do go to insurance or get independent report then if it has subsidence got to insurance then dont no which way to turn as insurance wants £1000 excess if subsidence is the case but don't no if they want the money straight away and if no subsidence found do they keep the £1000

clivvy · 13-10-2013, 13:45

how much is an independent report? Id go that route first because as soon as you contact insurance its going to start costing more than likely.

rustic · 13-10-2013, 13:46

Quote:

Originally Posted by geoffdown

Ok guys whats best to do go to insurance or get independent report then if it has subsidence got to insurance then dont no which way to turn as insurance wants £1000 excess if subsidence is the case but don't no if they want the money straight away and if no subsidence found do they keep the £1000

What is the situation that you think it could be subsidence?
A small hairline crack in say a breezeblock wall is natural if the wall is quite long for example.

geoffdown · 13-10-2013, 14:08

Quote:

Originally Posted by rustic

What is the situation that you think it could be subsidence?
A small hairline crack in say a breezeblock wall is natural if the wall is quite long for example.

Its about £250 ish and the crack is long but only bout 3mm wide but looks like it has got bigger and 1side of crack is not on the same line as the other not lower just sticks out 2mm if that makes sense.

kitchenman · 13-10-2013, 16:20

check for movement, my garage had a problem, the assessor called and stuck some small disks on the wall either side of the crack, the disks had a small indentation, they called once a month to check the distance between indentations with a fancy calliper gauge. This enabled them to check movement. A small washer would do the job stuck with silicone.
I was not charged for this.
The problem was caused by fir trees in a neighbours garden drinking all the water in the ground, the clay dried up a bit.

Terranoman · 13-10-2013, 19:51

Do you have picture of crack? Also any large trees or hedge row within 5 meters?

I am currently doing quite a bit of work for insurance companies and tree issues.

jims-terrano · 13-10-2013, 20:07

The root system of large trees spread out further than the canopy. Also a leaking drain or something causing running water can excavate under foundations.

geoffdown · 13-10-2013, 21:04

Quote:

Originally Posted by Terranoman

Do you have picture of crack? Also any large trees or hedge row within 5 meters?

I am currently doing quite a bit of work for insurance companies and tree issues.

in a photo out side u wont c it that well as its only about 2mm in side in acttic is bout 1mm and runs from chimmey down following the motar line in some places and might be through a concret block no trees in a 5-6m and that's a small plum tree bout 6-8 foot high, but 10 y ago if not more there was laylandi trees bout 1.5m away from corner of house they were bout 12ft high and when cut down trunks were round 8-10 inches a crack appered then but has not got any worse that was 10yrs ago but crack in acttic has appeard in last 1.5yrs

geoffdown · 13-10-2013, 21:05

Quote:

Originally Posted by jims-terrano

The root system of large trees spread out further than the canopy. Also a leaking drain or something causing running water can excavate under foundations.

no drains in that aera

geoffdown · 13-10-2013, 21:06

Quote:

Originally Posted by kitchenman

check for movement, my garage had a problem, the assessor called and stuck some small disks on the wall either side of the crack, the disks had a small indentation, they called once a month to check the distance between indentations with a fancy calliper gauge. This enabled them to check movement. A small washer would do the job stuck with silicone.
I was not charged for this.
The problem was caused by fir trees in a neighbours garden drinking all the water in the ground, the clay dried up a bit.

cool if that was free who did it and have u got their no.

makeitfit · 13-10-2013, 21:39

Are you actually covered for subsidence ? If so get the ins co to sort it

geoffdown · 13-10-2013, 21:42

Quote:

Originally Posted by makeitfit

Are you actually covered for subsidence ? If so get the ins co to sort it

yes got Halifax which covers it but don't want to get tarnished with subsidane if it turn out to be not if that makes sense

solarman216 · 13-10-2013, 22:04

you got the insurance cover, so put it in their hands now, if you do not they may find a way to wriggle out of a claim, you have to be up front with them, oh and I am a builder, so well versed, Rick

geoffdown · 13-10-2013, 22:55

Quote:

Originally Posted by solarman216

you got the insurance cover, so put it in their hands now, if you do not they may find a way to wriggle out of a claim, you have to be up front with them, oh and I am a builder, so well versed, Rick

ok will tell insurance in morning thanks for the advice

even thro its not Nissan related Ryan take note

kitchenman · 14-10-2013, 00:06

As you had leylandi there jn the past you possibly have heave, the trees are not soaking up the water any more so the ground is swelling.
The cracks in my garage closed up after the trees were felled in the garden adjacent.

The insurance company arranged the inspections

13-10-2013, 13:16	#1
geoffdown Senior Member Join Date: Aug 2010 Location: devon Vehicle: terrano 2.7tdi SE+ (X)reg Posts: 1,674	house subsidence Ok guys whats best to do go to insurance or get independent report then if it has subsidence got to insurance then dont no which way to turn as insurance wants £1000 excess if subsidence is the case but don't no if they want the money straight away and if no subsidence found do they keep the £1000

13-10-2013, 22:04	#13
solarman216 Off road maniac Join Date: Dec 2009 Location: Bexhill on Sea Vehicle: Y60 Patrol Me, 3 ltr Mrs Posts: 17,431	you got the insurance cover, so put it in their hands now, if you do not they may find a way to wriggle out of a claim, you have to be up front with them, oh and I am a builder, so well versed, Rick __________________ Ex banger racer now off road maniac Lokka on the front with manual hubs Diff lock on rear 3 inch SS straight through exhaust Manly winch bumper with 13000 lb winch 10 spike ground anchor, with multiple straps and blocks Super strong body cills capped with scaffold pole 20% stronger springs all round aggressive off road tyres on wheels so just swap. Aim to get stuck and be completely self sufficient in extraction, love getting muddy, 2ft deep is good but rare.

14-10-2013, 00:06	#15
kitchenman Senior Member Join Date: Jan 2011 Location: Essex Wescliff Vehicle: maverick 1994 2.7 TD Posts: 1,278	As you had leylandi there jn the past you possibly have heave, the trees are not soaking up the water any more so the ground is swelling. The cracks in my garage closed up after the trees were felled in the garden adjacent. The insurance company arranged the inspections Last edited by kitchenman; 14-10-2013 at 00:08. Reason: left a bit out

13-10-2013, 13:45	#2
clivvy Senior Member Join Date: Mar 2009 Location: Huddersfield Vehicle: Terrano 03 LWB Posts: 6,947	how much is an independent report? Id go that route first because as soon as you contact insurance its going to start costing more than likely.

13-10-2013, 16:20	#5
kitchenman Senior Member Join Date: Jan 2011 Location: Essex Wescliff Vehicle: maverick 1994 2.7 TD Posts: 1,278	check for movement, my garage had a problem, the assessor called and stuck some small disks on the wall either side of the crack, the disks had a small indentation, they called once a month to check the distance between indentations with a fancy calliper gauge. This enabled them to check movement. A small washer would do the job stuck with silicone. I was not charged for this. The problem was caused by fir trees in a neighbours garden drinking all the water in the ground, the clay dried up a bit.

13-10-2013, 19:51	#6
Terranoman Senior Member Join Date: Dec 2008 Location: Northamptonshire Vehicle: Terrano II Posts: 622	Do you have picture of crack? Also any large trees or hedge row within 5 meters? I am currently doing quite a bit of work for insurance companies and tree issues.

13-10-2013, 20:07	#7
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	The root system of large trees spread out further than the canopy. Also a leaking drain or something causing running water can excavate under foundations.

13-10-2013, 21:39	#11
makeitfit Senior Member Join Date: Apr 2008 Location: on the beach WEST WALES Vehicle: Maverick TDi BLACK mmm Posts: 15,136	Are you actually covered for subsidence ? If so get the ins co to sort it