Home Insurance for an underpinned property

Official Member

At CoverBuilder we specialise covering properties that have been underpinned in the past. Our fully online quote system can quote for underpinned property insurance and provide an instant premium – without lengthy referrals.

We work with a panel of insurers that we can call on to find the best cover at the lowest price, to match your specific property needs. You get great cover at standard.

 

  • Competitive rates for underpinned properties
  • Buildings cover up to £1.5million
  • Contents cover up to £150,000*
  • Trace & Access cover as standard
  • Accidental damage options
  • Legal cover included
  • Instant insurance cover
  • Manage your policy online
  • 24/7 claims line & support
Get a Quote

 

Chat online with an insurance expert

Often insurance can involve more complex situations and circumstances, therefore we have our insurance experts standing by to help you through a quote. if you have any questions about how to quote for your type of property, personal circumstances or special insurance needs – just chat to us here.

 

Get your home insurance premium online

CoverBuilder is one of only a few insurance companies that can quote for home insurance where the property has suffered some form of subsidence and later underpinned. Unlike most companies, you can get an instant price and offer of acceptance with us. We cover most types of underpinning types and subsidence causes.

 

Why do most insurers avoid cover for underpinned properties?

As underpinning is linked with subsidence at the property, it can lead to the home being classed as higher risk due to the generally increased chance the subsidence could reoccur and therefore leading to a claim. Why are we different? We work with a panel of top UK insurers who specialise in covering this type of property. This means not only can we cover such homes but our premiums are reasonable whilst offering great levels of cover.

 

What is underpinning of a house?

Underpinning is the process of restoring and repairing the foundations of a property that have been comprised. This could be for various reaosns including damage by tree roots, soil movement or even substandard materials used.

Underpinning foundations are laid due to the movement of homes and other buildings as a result of subsidence and other forms of property movement. It is a common form of corrective repair to foundations. A telltale sign that your home is suffering from subsidence is the visibility of cracks in the brickwork or plasterwork of your home, in particular, cracks that exceed 3mm in width or that are wider at the top than the bottom.

 

Types of underpinning works to existing foundations:

 

Conversion Works
  • The structure has to be converted to another function, which requires stronger foundation compared to existing

Protection Works

Examples where work would proactively be carried out to stabalise the foundations;

  • The existing foundation is not strong or stable
  • Nearby excavation would affect the soil that supports existing footing.
  • Stabilization of the foundation soil to resist against natural influences
  • Building of a basement below an already existing structure
  • The usage of the structure has changed.
  • The properties of the soil supporting the foundation may have changed, possibly through subsidence.
  • The construction of nearby structures necessitates the excavation of soil supporting existing foundations

Corrective Works
  • Mistakes in initial foundation design caused subsidence of the structure
  • Work on present structure than building a new one

 

Is my previously underpinned property covered by insurance?

The previous underpinning can often cause reluctance from standard insurers, as it is an indicator that the property has experienced previous subsidence.

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Costs of underpinning?

Since the projects continuously vary depending on the customer, underpinning cost does vary, therefore a surveyor must first assess the extent of the problem to value accordingly. All projects are different, but a good reputable surveyor will survey and inspect the building thoroughly before recommending a solution. Works can be carried out no matter how big or small your problem but like everything, early action can prevent even larger repair bills in the future.

 

What is a Certificate of Structural Adequacy?

If your property has previously suffered subsidence then as part of our requirements to be able to offer you the best premium we can, there will need to be a Certificate of Structural Adequacy for the underpinning work previously done.

When the repair has been organised as a result of an insurance claim, the insurer appointed Building Surveyor would have provided a Certificate of Structural Adequacy.  This is issued under guidance of the Institution of Structural Engineers (1994) although there is no actual contractual or legal requirement for one to be provided, nor is this a form of guarantee.

 

Buying a property with underpinning

In the event that previous subsidence has been identified and underpinning has been carried out on the property you are looking to purchase. You should look to obtain the Completion Certificate issued by the Local Authority and Certificate of Structural Adequacy. These should be obtained from the current property owner.

 

House underpinned 30 years ago?

We are able to quote on properties where underpinning has been carried out over 30 years ago. This can often be an issue for many insurers.

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