Kent · England
Subsidence insurance claim repairs in Kent
We carry out subsidence insurance claim repairs across Kent, from the larger towns to smaller places nearby. Much of Kent sits on clay that shrinks in dry summers and swells in wet winters. Every job starts with the cause, then the repair is specified to match it.
- Area
- Kent
- Pricing region
- South East
- Ground
- Shrinkable clay widespread
- Towns listed
- 22
What should you know about the ground under Kent?
North Kent sits on London Clay, central Kent on Gault and Weald Clays and the Downs on chalk, so shrinkable clay is widespread. East Kent around Deal and Dover had a small deep coalfield, worked until the late 1980s.
Parts of Kent lie on a former coalfield, so a coal mining search is worth checking if movement has no obvious cause. Across Kent, most homes are Victorian terraces in the Medway towns, weatherboarded and Wealden houses, 1930s semis and seaside bungalows.
Repair options we may recommend
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
Betterment priced separately
Many homeowners take the chance to do extra work while trades are on site, such as redecorating whole rooms or upgrading finishes. That betterment sits outside the claim, so we price it as a separate written quote, keeping the claim work clear.
Best for: Extra work you choose beyond the agreed claim repair
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
What to expect when we carry out subsidence insurance claim repairs
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.
Schedule of repairs
The adjuster or engineer issues a schedule of the work needed. We can price to your loss adjuster’s or engineer’s schedule, and confirm a fixed price in writing, with any betterment shown as a separate quote.
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.
Is it time for subsidence insurance claim repairs? Common signs
- An engineer’s report saying the cracking is subsidence-related
- You want extra work done while claim repairs are under way
- You have been asked to find your own contractor for the repair
- Monitoring has finished and a repair scope has been issued
What should you budget for subsidence insurance claim repairs in Kent?
The ranges below reflect typical South East costs for subsidence insurance claim repairs, including VAT. Scaffold, access and making good can push a job to the top of the range.
| 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 | — |
Do you need approval 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.
Find subsidence insurance claim repairs in your Kent town
- Maidstone
- Gillingham
- Tunbridge Wells
- Folkestone
- Margate
- Ashford
- Canterbury
- Sittingbourne
- Gravesend
- Dartford
- Ramsgate
- Dover
- Tonbridge
- Strood
- Whitstable
- Deal
- Sevenoaks
- Herne Bay
- Faversham
- Swanley
- Longfield
- Swanscombe
Your subsidence insurance claim repairs questions
Why do houses in Kent crack?
North Kent sits on London Clay, central Kent on Gault and Weald Clays and the Downs on chalk, so shrinkable clay is widespread. East Kent around Deal and Dover had a small deep coalfield, worked until the late 1980s. Parts of Kent lie on a former coalfield, so a coal mining search is worth checking if movement has no obvious cause. Only an investigation on site can say why a particular building has moved.
How much will subsidence insurance claim repairs cost in Kent?
The written price depends on the extent of the damage, access and whether an engineer or building control is needed.
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.
Will the insurer pay for underpinning?
Only if investigations show it is needed, which is less common than many people expect. Most subsidence claims are fixed by dealing with the cause, such as a drain or tree, and then repairing the cracks. The insurer’s engineer recommends the method.
What is betterment in a subsidence claim?
Betterment is any improvement beyond restoring the home to its condition before the damage, such as upgrading finishes or redecorating extra rooms. The insurer does not normally pay for it. We price betterment as a separate written quote, so it is clearly kept outside the claim.