solved

[annie2023]

solved Edited February 4, 2023 by annie2023

[redpost]

How old is the house?

Unless the house is modern, this is probably nothing to worry about and easily fixed given sufficient cash. The foundations for the bay were often not deep enough, Perhaps, all the houses in the street were built by the same builder and therefore exhibit the same problem.

It can be fixed by underpinning and perhaps tying in the brickwork with helibars.

Ask you're insurer what needs doing so they will cover it.

[vladi]

My advice is not to go anywhere near an insurer. They will put a blck mark on your property and your premiums will go up plus it will make you house more difficult to sell later.

Best to get it fixed yourself and do not involve the insurer. Take the small hit now to save yourself a bigger financial problem in future.

[Rockets]

Did a wartime bomb land anywhere nearby (are there a couple of more modern houses in the terrace nearby or check one of the websites that tracked where bombs hit the area)? There are lots of houses in the area that moved a bit following raids during the war but haven't moved much since.

On your ability to sell the fact it has come up on your report will mean it will come up on the next report so I would try to determine why. Most houses around here have moved at some point, you just need to understand why.

[malumbu]

Non-progressive subsidence means there has been historical movement - as most houses say 1950s or before will have had in the area due to shrinkage and expansion of the clay soil and as pointed out bombing in the area. This link may be helpful for the latter http://bombsight.org/explore/greater-london/southwark/east-dulwich/ I doubt if any of our doorways are square or floors are level. The area will have taken a pounding during the droughts of 76 and last year. Subtarreanean (basement) works are also becoming a worry,

From experience Direct Line wont touch properties with any subsistence in the area. I'm not sure if you have a full structural survey - trouble is it takes some time to check whether movement is ongoing - although if it has already been assessed as non-progressive a professional is happy to say that this is not onging.

If the term historical movement had been used I expect all parties would be more relaxed

[faa]

Hello. Many properties within this area are affected by subsidence. If the movement has stopped it wouldn't put me off (given how common it is). From my experience, the existing buildings insurer for the property should offer to continue to insure the property. However, it does mean that you are then stuck with that insurer unless you go to a specialist insurer. See also the Association of British Insurers website - https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance/subsidence/#insurance