Lichfield · Staffordshire
Subsidence insurance claim repairs in Lichfield
If your insurer has issued a repair schedule for your Lichfield 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
- WS13
- Population
- about 35,000
- Area
- Staffordshire
- Pricing region
- West Midlands
How do local ground conditions affect subsidence insurance claim repairs in Lichfield?
Lichfield, Staffordshire: about 35,000 residents across postcode districts WS13. Nearby, we also cover Burntwood (4 miles), Tamworth (6 miles) and Aldridge (7 miles).
Clay soils are found in parts of Staffordshire. Parts of Staffordshire lie on a former coalfield, so a coal mining search is worth checking if movement has no obvious cause. What you mostly find across Staffordshire: Potteries terraces, brick villas, inter-war semis and post-war estates.
Guide prices for subsidence insurance claim repairs in Lichfield
Prices in Lichfield are worked out on West Midlands 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
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.
Symptoms that point to subsidence insurance claim repairs
- You want extra work done while claim repairs are under way
- You have been asked to find your own contractor for the repair
- A letter from a loss adjuster asking for access
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 Lichfield?
There is no charge for us to price an insurer’s schedule in Lichfield. 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 Lichfield?
We do. Lichfield and the surrounding area are covered, including nearby Burntwood and Tamworth. A free initial assessment from your photos is the first step.
Does the ground around Lichfield cause cracking?
North Staffordshire around Stoke-on-Trent, Newcastle-under-Lyme and Kidsgrove, and the Cannock Chase area, lie on coalfields with recorded workings. Much of the rest of the county is Mercia Mudstone and glacial clay. Only an investigation can say why a particular building has moved.
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.
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 Lichfield
- Structural surveys and crack monitoring
- Subsidence repairs
- Bowing wall repairs
- Concrete repairs
- Chimney stack repairs
Subsidence insurance claim repairs near Lichfield
Not yet told your insurer about cracks at your Lichfield property? Do that first, then send us photos for a free initial assessment.