Angell Thompson
| Consulting Structural Engineers & Surveyors

Subsidence

Telephone: 01737 360136

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Address:
Angell Thompson
12a High Street
Banstead
Surrey
SM7 2LJ

 

Our Service - Subsidence Insurance Claims

  • We aim to visit a property as soon as possible after receiving an enquiry, usually within 5 working days.
  • The mechanism of movement and an opinion on the cause of damage, can often be provided at this initial visit.
  • Site investigations may be required to confirm causation and enable us to provide formal recommendation for management of the subsidence problem.
  • We have a panel of experienced site investigators who can carry out this work at short notice. The investigation works often involve trial pits, soil and root samples and CCTV drainage investigation.
  • We will issue a concise, plain-language report with recommendations for remedial action.
  • Often, a building can be stabilised by removing or managing the main cause of movement. Occasionally there may be a need to strengthen the foundations.
  • We will design and specify the solution, and implement the works through our panel of experienced contractors.
  • Sometimes a period of monitoring may be required to confirm the action taken has been successful in stabilising the property. This will be fully explained in our report, which will recommend the period of monitoring required.
  • Once we are satisfied that the building is stable we will schedule and oversee final repairs and redecoration works.

▼ Insurers will seek to...

...settle claims in the most economic manner reasonably possible and it is a condition under most policies for the Policyholder to ‘act as if uninsured’ i.e. to take good care of their property, minimise loss and minimise cost in the same way as they would if they were funding repairs themselves, without the benefit of insurance cover.

▼ It is a requirement...

...under most policies that the Policyholder takes responsibility for setting their sums insured adequately. It has been established at law that Insurance Companies cannot be held responsible for knowing the reinstatement value of their customers’ property. They will often offer assistance with this, usually referring Policyholders to the Royal Institution of Chartered Surveyors House Rebuilding Cost Index. You can refer to this by clicking here. You will need to know the m2 area of your house.

▼ Note that...

Your sum-insured should include an amount of c. 10% and 5% extra to cover the cost of professional Architects and Surveyors’ fees, and the cost of complying with Local Authority requirements, respectively. Some insurance policies require you to use the insurance company’s own surveyors and contractors to specify and carry out repairs to your building; check your policy wording. However provided your sum insured is adequate it will usually include the cost of independent professional fees where necessary for reinstating your loss. R.I.C.S House Rebuilding Cost Index

  • We are really loving our beautiful new home. We can still hardly believe it.
    Thank you so much Steve, you have been a tower of strength for us over the last year.

    Mr & Mrs T, Maidstone, Kent

  • I would not wish to inflict on any one what we have had to go through over the last 11/12 months
    but all I can say is that you and the building team have been fantastic.

    Mr and Mrs C, Broadstairs, Kent

     

     

  • Your views are always so practical, much appreciated!

    Mr S - Epsom, Surrey

     

  • You cannot begin to understand how good it was for us to meet up with you last week….

    Mr and Mrs P, Caterham, Surrey

     

     

  • We saw Steve last week and both expressed our most grateful and heartfelt thanks to him,
    the contractor and all of his team for the quite wonderful and fantastic job of restoring our home.

    Mr C - Kent

     

  • Many thanks for a job well done

    Mrs M, Weybridge, Surrey