Nuneloneon

Thanks again Sue, I know what you mean. It is almost like an inevitable trap! :)

Thank you Sue for your feedback. It sounds like you didn't have a great time going through your insurance company. By the way, what was process for reporting and investigating the subsidence with your insurance company? Did you find that straight forward? And in terms of changing insurance company, were you able to find alternatives, considering you had to state your property had experienced subsidence? Thanks again for sharing any experience! Alex

Hi, I also have concerns about the future value of our home, and also the next best steps, and would welcome any advice or experiences from anyone. We recently observed cracks form in our walls and hired a structural engineer to provide a report. He confirmed it was subsidence, but not too major, and nothing that could not be rectified. He focused on two trees being the main issue, and has recommended a ground investigation (trench and bore holes dug) to take ground samples and confirm whether the tree roots are indeed to blame. We have since been contacting various ground investigation companies for (expensive) quotes. We now realise that we will also need to inform our insurance company. I'm not sure if anyone has any experience with this, but I wonder whether I should have gone to the insurers first as they will want to undertake a survey? Should I inform them of the existing structural survey, particularly as it has been a couple of months since I had it done, or should I simply call them about the observed cracks and wait for them to recommend the next steps? I am paranoid that not only are we about to cause our insurance premiums to shoot up, we will be unable to find many alternative insurers, and will have trouble when coming to sell the home (as questioned above). Thanks for any advice you might have, Alex