UK insurers are facing a surge in subsidence claims as record-hot summers cause the ground to shrink and damage home foundations. Homeowners like Henry Biggs, 49, from Stroud, Gloucestershire, are discovering huge diagonal cracks in their walls, through which they can see into the next room. "You could easily put your fingers in it and chunks of plaster are falling off," he says. Biggs and his partner noticed cracks in June 2025, a few months after buying their home, and filed a claim that was accepted by Admiral in the spring. Yet monitoring devices were only fitted about a year later, and they still don't know when repairs will begin.
Why Subsidence Claims Are on the Rise
Subsidence occurs when the ground beneath a property sinks, pulling the foundations down and causing structural damage. The UK has experienced two record-hot summers, with August being the joint-hottest month ever recorded globally. As hotter, drier summers and warmer, wetter winters become more frequent, the soil—especially clay—shrinks and swells, stressing older properties with shallow foundations.
The British Geological Survey warns that millions of homes are at risk. Under its worst-case scenario, 11% of UK homes could be at risk of subsidence by 2070—more than 4.2 million houses. Insurers are already feeling the strain as claim volumes climb.
Signs of Subsidence Every Homeowner Should Know
Early detection is crucial to prevent costly repairs. Watch for these warning signs:
- Diagonal cracks that widen and lengthen, typically around window and door frames.
- Sloping floors or uneven surfaces.
- Sticking doors and windows that no longer open or close smoothly.
- Visible gaps where walls meet ceilings or floors.
- Crumbling plaster or chunks falling off walls.
If you notice any of these, contact your insurer immediately. Delaying a claim can lead to more extensive damage and higher repair costs.

The Insurance Claims Process: What to Expect
Filing a subsidence claim can be a lengthy process. Insurers often send loss adjusters to assess the damage, then install monitoring devices to track ground movement over several months. Only after confirming that subsidence is ongoing will they approve repairs. This can take a year or more, leaving homeowners in limbo.
Biggs's experience is typical: his claim was accepted in spring, but monitoring equipment was fitted only recently—about a year after he first submitted the claim. He still has no timeline for repairs. Such delays are frustrating for homeowners living with dangerous structural issues.
Financial Impact: Costs and Coverage
Subsidence repairs are expensive, often running into tens of thousands of pounds. Most home insurance policies cover subsidence, but excesses can be high—typically £1,000 to £5,000—and some insurers may exclude certain properties. Premiums may also rise after a claim.
The table below compares typical costs and coverage aspects:
| Factor | Typical Range/Details |
|---|---|
| Repair cost | £10,000 – £50,000+ |
| Insurance excess | £1,000 – £5,000 |
| Monitoring period | 6 – 12 months |
| Premium increase post-claim | 20% – 50% |
| Properties at risk by 2070 | 4.2 million (11% of UK homes) |
How Homeowners Can Protect Their Properties
While climate change drives subsidence risk, homeowners can take steps to mitigate damage:
- Maintain drainage: Ensure gutters and pipes are clear to prevent water pooling near foundations.
- Manage vegetation: Plant trees and shrubs away from the house, as roots can extract moisture from soil.
- Monitor cracks: Use crack monitors to track changes and document with photos.
- Act quickly: Report any signs of subsidence to your insurer without delay.
- Consider professional surveys: Especially for older properties or those in high-risk areas.
FAQ
What causes subsidence in UK homes?
Subsidence is primarily caused by the ground shrinking or settling beneath a property. In the UK, the main culprits are clay soils that shrink in dry weather, tree roots extracting moisture, and leaking drains washing away soil. Climate change, with hotter, drier summers, exacerbates these conditions.
Does home insurance cover subsidence?
Most buildings insurance policies include subsidence cover, but it's not automatic. Check your policy details. Excesses are usually higher than standard claims, and you may need to pay for monitoring and surveys upfront. Some insurers may exclude properties in high-risk areas or with previous subsidence history.
How long does a subsidence claim take?
Subsidence claims can take 6 to 12 months or more. Insurers typically monitor the property for several months to confirm ongoing movement before authorising repairs. Complex cases may take longer, especially if underpinning is required.
What should I do if I spot signs of subsidence?
Contact your insurer immediately and document the damage with photos. Do not attempt repairs yourself. An insurer-appointed loss adjuster will assess the situation and recommend next steps, which may include monitoring or structural repairs.
Conclusion
The surge in subsidence claims is a clear sign of the climate crisis's impact on UK housing. With millions of homes at risk, insurers and homeowners must adapt. Early detection, prompt claims, and preventive measures can help mitigate the damage. As extreme weather continues, the insurance industry faces a challenging future.
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