If you live in a property that’s been underpinned, you’ve probably experienced difficulties getting insurance. As a specialist insurance broker, we’re better equipped at finding cover for a non-standard house like yours. We offer underpinned house insurance policies for all types of properties, including listed buildings and holiday homes.
What is underpinning on a house?
Underpinning a house is a construction method used to strengthen a building’s foundations because they are no longer strong enough to support your property anymore. This is usually due to subsidence-related changes caused by:
- More or less moisture in the soil
- The presence of large trees nearby
- Natural disasters in the area, such as repeated floods, droughts or earthquakes
- Major renovations and extensions
- New constructions in the surrounding area affecting the distribution of soil
Does standard house insurance cover underpinning?
Most standard insurers do not cover properties with previous underpinning as standard, so it’s a good idea to check your policy if you’re unsure.
If your property has had recent issues with subsidence or has been underpinned while your standard home insurance policy is still active and you haven’t disclosed this to your insurer, your insurance policy could be voided or cancelled. It’s important to keep your insurance provider up to date with any structural changes to your property.
What if I’ve already disclosed an issue with subsidence?
In cases where you’ve already taken out subsidence home insurance and have decided to underpin the property to prevent further subsidence, we can help you get the right cover to keep your home protected once it’s been underpinned.
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Does underpinning affect insurance?
Yes, underpinning is likely to affect the cost of your insurance, though the level of impact this will have varies depending on a number of factors.
For instance, insurance for a house that was underpinned several years ago and has shown no further signs of subsidence since the foundations were strengthened is unlikely to be much more expensive than a policy for a property without underpinning.
On the other hand, if your property has very recently been underpinned or shows signs of further movement, you might find that your premium or cover is more affected.
Talk to us about your situation for a fair quote. We ensure you’re covered for the higher risks associated with owning an underpinned property.
Can I get house insurance if my house is underpinned?
Although you might find that some mainstream insurance companies don’t offer house insurance for underpinned properties, we can help you get a quote. By speaking with us directly, our knowledgeable household team uses your information to understand your situation so they can compare quotes and find the best policy for your needs.
Which types of home insurance do you offer?
We offer buildings insurance, contents cover, and combined cover for both:
- Buildings insurance: this insures the main structure of your house and will cover you for the expenses involved with rebuilding or repair.
- Contents insurance: this covers the personal belongings and possessions in your home against theft, loss and damage.
- Combined cover: this combines buildings and contents cover and is often more cost-effective than buying the policies separately.
Why choose Adrian Flux for underpinned house insurance?
When you call us, you’ll receive the attention of a specialist who’s well versed in underpinned properties and their unique needs. Our cover includes:
- Full cover for underpinned properties, including listed buildings
- Claims hotline with counselling support
- Domestic Assistance Helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take buildings and contents cover
