Subsidence refers to the downward movement of the ground beneath a property, causing the structure to sink or settle unevenly. Recognizing the signs of subsidence early is crucial for addressing the issue promptly and preventing further damage. Common indicators of subsidence include:
- Cracks in Walls, Floors, or Ceilings: Horizontal or diagonal cracks that suddenly appear and widen over time, especially near doorways, windows, or junctions between walls and ceilings, are often indicative of subsidence.
- Doors and Windows Sticking or Jamming: Doors and windows may become difficult to open or close smoothly due to the shifting of the building’s foundation caused by subsidence.
- Leaning or Tilting of the Structure: Subsidence can cause the building to tilt or lean to one side, especially noticeable in multi-story structures.
- Rippling or Wrinkling of Wallpaper: Uneven settling of the structure may cause wallpaper to ripple or wrinkle, particularly in areas affected by subsidence.
- Gaps Appearing Around Doors and Windows: As the building settles unevenly, gaps may form between the frames of doors and windows and the surrounding walls.
Whether subsidence is covered by your insurance depends on your policy and the cause of the subsidence. Most insurance policies cover subsidence caused by factors beyond the homeowner’s control, such as tree root damage or ground movement. However, subsidence resulting from poor maintenance or drainage issues may not be covered. It’s essential to review your insurance policy and consult with your insurer to determine coverage and take appropriate action if you suspect subsidence. Promptly addressing subsidence can help minimize damage and ensure the safety and stability of your property.