Deal · Kent
Subsidence insurance claim repairs in Deal
Before any repair to a Deal home under a subsidence claim, the insurer needs to see the damage and agree the scope. Starting work early can complicate matters, so tell your insurer first and keep dated photographs.
- Postcodes
- CT14
- Population
- about 31,000
- Area
- Kent
- Pricing region
- South East
Why does the ground in Kent matter for subsidence insurance claim repairs?
Postcode districts CT14 cover Deal, a Kent town of about 31,000 people. Nearby places we cover include Dover (8 miles), Ramsgate (8 miles) and Margate (11 miles).
Much of Kent sits on clay that shrinks in dry summers and swells in wet winters. 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.
Is it time for subsidence insurance claim repairs? Common signs
- You want extra work done while claim repairs are under way
- New cracks you think may be caused by ground movement
- An engineer’s report saying the cracking is subsidence-related
What should you budget for subsidence insurance claim repairs in Deal?
These are guide prices for Deal, using South East rates and including VAT. Your written quote follows photos or a survey, and is fixed once the repair is specified.
| 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 | — |
Repair options we may recommend
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
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
What to expect when we carry out subsidence insurance claim repairs
Mitigation and monitoring
The identified cause is dealt with, perhaps a drain repair or tree work, and the house may be monitored for several months, sometimes up to 12, to confirm it has stabilised before repairs are agreed.
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.
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.
Your subsidence insurance claim repairs questions
What is the price of subsidence insurance claim repairs in Deal?
There is no charge for us to price an insurer’s schedule in Deal. 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 Deal?
Yes. We take enquiries from across Deal, including CT14, and from nearby places such as Dover and Ramsgate. Send photos for a free initial view and we will tell you what happens next.
Does the ground around Deal cause cracking?
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. 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 Deal
Subsidence insurance claim repairs near Deal
For a no-obligation written quote on claim repairs at your Deal home, send the schedule and a few photos of the damaged areas.