Poole · Dorset
Subsidence insurance claim repairs in Poole
If your insurer has issued a repair schedule for your Poole property, we can price it item by item and carry out the work once it is agreed. Any extra work you want is quoted separately, so the claim stays clean.
- Postcodes
- BH14, BH15, BH17
- Population
- about 150,000
- Area
- Dorset
- Pricing region
- South West
How do local ground conditions affect subsidence insurance claim repairs in Poole?
Poole, Dorset: about 150,000 residents across postcode districts BH14, BH15, BH17. Neighbouring towns we cover: Bournemouth (5 miles), Wimborne Minster (5 miles) and Ferndown (7 miles).
Parts of Dorset have clay that can shrink near trees in dry spells. Ground movement here is more often linked to soils, drains and trees than to mining. Across Dorset, most homes are stone and brick villages, Victorian villas in Bournemouth, and inter-war and post-war semis.
Guide prices for subsidence insurance claim repairs in Poole
Prices in Poole are worked out on South West rates. They include VAT and are a starting point: access, the extent of the damage and whether an engineer or building control is involved all move the figure.
| Item | Guide price | Per |
|---|---|---|
| Your policy excess for subsidence (check your schedule) | £1,000 | commonly |
| Pricing a loss adjuster's or engineer's repair scheduleest. | Free to request | — |
| Repairs outside the claim (betterment, decoration upgrades)est. | Priced separately | — |
Methods for subsidence insurance claim repairs
Pricing the adjuster’s or engineer’s schedule
When the claim reaches the repair stage, we price the schedule of work line by line, at no charge to request. You or the adjuster can compare it against other prices. The figures follow the agreed scope, so nothing is quietly added or left out.
Best for: Homeowners asked to obtain quotes for an agreed scope
Carrying out the agreed repairs
Once the scope is agreed and you instruct us, we carry out the repair, which is often crack stitching, repointing, replastering and redecoration, and sometimes drain or foundation work. We deal with building control where the work needs it and keep the adjuster informed.
Best for: Claims where the repair scope has been settled
From first photo to finished repair
Notify your insurer
Report suspected subsidence to your buildings insurer as soon as you notice it, with dated photos. Do not start permanent repairs first. Check your schedule for the subsidence excess, which is commonly about £1,000.
Loss adjuster and engineer
The insurer usually appoints a loss adjuster, who visits and may bring in an engineer. They record the damage, ask about its history and arrange investigations such as a CCTV drain survey, trial pits and a tree survey.
Repairs and sign-off
With the scope agreed, we carry out the repairs, deal with building control where required and make good. Keep the paperwork, which helps with future insurance and if you sell the house.
Symptoms that point to subsidence insurance claim repairs
- You have been asked to find your own contractor for the repair
- You want extra work done while claim repairs are under way
- An engineer’s report saying the cracking is subsidence-related
Rules for subsidence insurance claim repairs in England
Like-for-like repairs such as crack stitching and repointing do not usually need building control approval in England, but anything that changes or strengthens the structure, such as underpinning or rebuilding a wall, does. If the work touches a party wall, the Party Wall etc. Act 1996 may apply.
Frequently asked questions
What is the price of subsidence insurance claim repairs in Poole?
There is no charge for us to price an insurer’s schedule in Poole. Your fixed written price follows photos or a survey and depends on the extent of the work and access.
Do you carry out subsidence insurance claim repairs in Poole?
We do. Poole and the surrounding area are covered, including nearby Bournemouth and Wimborne Minster. A free initial assessment from your photos is the first step.
Does the ground around Poole cause cracking?
Dorset mixes chalk downs, Oxford and Kimmeridge Clays in the vales, and the sands and gravels of the Poole basin. Clay vales can shrink and swell, and parts of the coast are known for landslip. Only an investigation can say why a particular building has moved.
What if my subsidence claim is declined?
Ask the insurer for the reasons in writing and check them against your policy wording. You can complain to the insurer and then, if unresolved, go to the Financial Ombudsman Service. If you decide to repair privately, we can give a no-obligation written quote.
How do I make a subsidence claim?
Contact your buildings insurer as soon as you suspect subsidence, with dated photos and a note of when the cracks appeared. They will usually appoint a loss adjuster to visit. Do not start permanent repairs before the insurer has seen the damage.
More repairs we carry out in Poole
- Brick arch repairs
- Bay window subsidence repairs
- Roof structure repairs
- Lintel replacement
- Resin injection ground stabilisation
Subsidence insurance claim repairs near Poole
If your Poole subsidence claim has been declined, you can still get a no-obligation written quote for a private repair; send photos to start.