Double-counting subsidence claims – and the effect that has on policy premiums
The scenario of clay-shrinkage subsidence returning a few years after it has been (supposedly adequately) mitigated and repaired is unfortunately all too common. This is usually because inadequate tree management had been carried out in the first place and roots have...
Should I disclose that minor plaster crack to my buildings insurer?
It has long been understood that minor, cosmetic cracks or ones which are historic and non-progressive do not need to be disclosed to an insurer. Not necessarily so any more - beware! Whilst this still holds true with many insurers, there are an increasing number of...
Crack Diagnosis – cracks tell a story
The diagnostic art of identifying different types of building movement from crack patters is a skill which takes many years of practical experience to learn properly. I have heard many cases where clients have been told by tradesmen visiting the house, or over the...