Jump to content

Recommended Posts

Does anyone know: is 'underpinning' a specific area of insurance trouble - by which I mean, not comparable to, say, having had a subsidence claim but it only resulting in (relatively) minor repairs?



Are are you ripe for the picking if there's any mention of subsidence whatsoever?

I think underpinning is particularly problematic, as it indicates that the movement has been significant.


I would be interested to hear from anyone who has managed to get insurance on a previously underpinned house, and an indication of how extortionate the premium tends to be.

We has a subsidence claim 10yrs ago. Only superficial repair work needed and no underpinning. Now we have contents insurance which does not cover subsidence damage. Policy with Zurich. I have never tried to change the buildings insurance (NatWest) and am sure we pay an extortionate amount because of the subsidence and two other claims we have made (burst pipe and legal claim).
We purchased a house in the area last year which was underpinned. Eventually managed to get insurance through http://www.hardtoinsure.co.uk/. The annual fee isnt too bad, probably 250-300 more than normal house insurance and covers against any new subsidence, but not the old underpinning work.

Jeremy Wrote:

-------------------------------------------------------

> I think underpinning is particularly problematic,

> as it indicates that the movement has been

> significant.


One of the reasons premiums can remain high is that underpinning isn't necessarily a cure for subsidence. If subsidence is caused by landslip rather than heave, for example, underpinning won't make any difference. Landslip subsidence is a problems on the land under Dawson's heights and led to the demolition of much of Dunstan's Road. Some details here:


http://www.dulwichsociety.com/newsletters/43-spring-2006/213-dawsons-hill-before-daswons-heights


It's one of the reasons that buildings insurance premiums for SE22 are far higher than the national average.

having been underpinned then massively overcharged for years by our insurance company because no-one else would touch us, I discovered that things have changed and lots of companies will. I'm now with Aviva - they insisted on a surveyors report, which cost about ?400 but we then saved over ?1000 on this year alone- and they threw in free contents cover too

Lynne

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Latest Discussions

    • A festival-style trolley that will fit in a hatch back. For moving son into halls at uni with a very far away car park!  Thanks    Lottie   
    • Hi, my daughter has a basic electric keyboard she really should clear out of her old room. It's a classic beginners one. Are you interested?  If so, I'll photograph it and find the name.    Lottie 
    • I don’t think Reform will withstand the heat of any election.  Finding enough people to stand will be bad enough. Finding credible ones quite a bid tougher  I think yes this government is lacking in a long term plan and has not had a good first year. Today the least.   but the speed with which this was dealt with is a notable shift compared to last 14 years where months would drag by and we would constantly be told to draw a line under  if Labour called an election tomorrow, there is not a single party that could present a better alternative with any credibility. And that’s a low bar Reform are dangerous lunatics but more worrying is the descent of the Tories into the same swamp i also worry that England voters have contracted some melodrama virus after the Tories where we had 5 PMs in almost as many years  it’s ok for governments to be unpopular without needing to have an election every 1-2 years       Looks like Lucy Connolly will me one of those Reform candidates at next election tells you everything you need to know about that party and where the country would be headed 
    • Well, I made £50 out of it and Alice owes me another bullseye, so I had a good day Clearly the thread has moved on, but just a final few words on Rayner (from me, at least). If she hadn't gone like this (with a chance to revive her career at some point in the future) there's plenty of other stuff loaded up and ready to be fired at her about the motivation, finances and machinations of her move down South. It's not pretty reading. Tawdry doesn't come close. I was born in Ashton Hospital and grew up in Tameside, I've got a lot of friends and family who weren't as lucky as me and didn't make it out, some close to her constituency party, and there's been a lot of bad feeling around 'Our Ange' for a long time. My favourite quote was: 'She should fuck off back to Stockport.' And that was from a party member. The writing was on the wall for her. Moving from Ashton (majority c6.5k, large Pakistani minority, but predominantly white working class and targeted by both the Independent Alliance and Reform) to Hove (majority c20k, neither of these issues with the electorate) was a pretty cynical move, and she's fucked it royally. 'The Honourable Member for Hove and Portslade' will be sleeping a lot easier in their bed tonight. This thread was never supposed to about Labour bashing, and I'm not sure it is. It's definitely descended into 'Whataboutery', and that seems to be the problem, in my mind at least, with British politics. It's playground stuff, he said/she said, blame-game bollocks. Watch PMQs and ask yourself if you'd accept this sort of behaviour amongst toddlers, let alone in an elected parliament. One thing that does stand out is the opposition to Reform across the board, and yet we seem to be sleepwalking towards a likely scenario where Farage could head up a minority Reform government. I've 'followed' politics since the late Seventies - mainly because the BBC News came on right after 'Roobard and Custard' or 'The Magic Roundabout' - and I can't remember an era where both major parties are so bereft of leadership, direction or ideas. There's a certain irony that we'll all be getting a test text on Sunday to warn us of an impending 'National Emergency'. Seems quite prescient.
Home
Events
Sign In

Sign In



Or sign in with one of these services

Search
×
    Search In
×
×
  • Create New...