Subsidence can be a particularly distressing time for homeowners given the anxiety that it can bring. A home is usually the biggest asset and investment we make. It is important that such issues are dealt with sensitivity and technical competence.
Historically, household insurers would ask for homeowners to appoint a local structural engineer to advise on the nature and cause of crack damage. If subsidence was confirmed as the cause, the structural engineer would be appointed on behalf of the homeowner by the insurance company or Loss Adjuster.
The process currently adopted by many insurance companies is that they appoint Claims Handlers (rarely bona fide Loss Adjusters i.e. independent of insurers) to deal with the claim on behalf of the insurer. Our experience in recent years is that the level of service and technical competency is very varied. Homeowners should be aware that under most building insurance policies they are entitled to appoint a structural engineer or building surveyor to work on their behalf, to provide a technical resolution for the problem. You do not have to accept the services that are imposed by the company appointed by your insurer, regardless of their insistence. These companies are often driven by fixed fee agreements and a process which does not involve thorough investigation of the cause, but a desire to repair at the earliest opportunity.
Canham Consulting staff have a vast experience of subsidence, including a significant database of properties previously inspected locally.
Many of the staff at Canham Consulting have a Loss Adjuster/Insurance background, enabling us to provide an in-depth service to Homeowners, Insurance Brokers, Insurance Companies, and Loss Adjusters including administration of claims and site supervision
We can provide a comprehensive service for all levels of subsidence investigations from a single trial pit investigation to deep boreholes with soils analysis and arboriculture reports.
We can be appointed at the initial point at which a household becomes concerned, through to full repair supervision, alternatively, we often act for households where the performance of the insurers and their associated companies is found to be wanting.
In addition to the examples above, we consider ourselves adept at challenging projects, and would welcome new and innovative schemes for us to test our skills! Should any of our services be of interest, please contact us via any of the methods available on our