Sevenoaks · Kent
Subsidence insurance claim repairs in Sevenoaks
Most subsidence claims for Sevenoaks properties end in crack repairs and redecoration rather than underpinning. Once the cause is dealt with and monitoring shows the house is stable, the schedule of repairs is often fairly modest.
- Postcodes
- TN13
- Population
- about 30,000
- Area
- Kent
- Pricing region
- South East
What is the ground like in Kent?
We cover Sevenoaks and its postcode districts TN13, part of Kent, with a population of roughly 30,000. If you are just outside Sevenoaks, we also cover Tonbridge (6 miles), Swanley (9 miles) and Bromley (10 miles).
Kent is one of the parts of the UK where clay soils are most likely to move with the seasons. 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.
Methods for subsidence insurance claim repairs
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
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
From first photo to finished repair
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.
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.
Symptoms that point to subsidence insurance claim repairs
- You want extra work done while claim repairs are under way
- An engineer’s report saying the cracking is subsidence-related
- A letter from a loss adjuster asking for access
Guide prices for subsidence insurance claim repairs in Sevenoaks
These are guide prices for Sevenoaks, 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 | — |
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
How much should I budget for subsidence insurance claim repairs in Sevenoaks?
There is no charge for us to price an insurer’s schedule in Sevenoaks. Your fixed written price follows photos or a survey and depends on the extent of the work and access.
Can you survey a property in Sevenoaks?
Yes. We take enquiries from across Sevenoaks, including TN13, and from nearby places such as Tonbridge and Swanley. Send photos for a free initial view and we will tell you what happens next.
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. 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.
Related work in Sevenoaks
Subsidence insurance claim repairs near Sevenoaks
Not yet told your insurer about cracks at your Sevenoaks property? Do that first, then send us photos for a free initial assessment.