If you have discovered movement in your home, your first instinct is likely to call your insurer. The short answer is yes: most UK home insurance policies do cover subsidence damage. However, there is an "insurance reality" that many homeowners don't realize until they are already in the middle of a long, stressful process.
At Geobear, we want you to have all the facts so you can choose the path that best protects your home and your future.
One of the most significant drawbacks of the traditional insurance route is the time it takes to reach a resolution.
The insurance route: Insurance claims for subsidence typically stay open for 12 to 24 months as insurers often insist on long periods of monitoring.
The Geobear solution: When you work with us directly, your issue can often be solved in a matter of weeks, stopping the damage before it gets worse.
Making a claim can have lasting effects on your property that go beyond the physical repair.
Increased premiums: We often see insurance premiums increase significantly following a subsidence repair.
Permanent records: Information regarding a subsidence issue is stored on insurance databases forever.
Future sales: You must declare that your property has suffered from subsidence to any potential purchaser, which can affect your home's saleability and value.
The CUE search: Insurers use CUE (Claims and Underwriting Exchange) searches to find past claims. If you do not disclose a previous issue when taking out a new policy, it will likely invalidate your insurance.
When you go through an insurer, you often lose the ability to choose how your home is treated.
Choosing the contractor: The insurer typically picks the contractor for you. While Geobear is the preferred option for many major insurers, you aren't always guaranteed our non-invasive expertise unless you request it specifically or go direct.
Bureaucracy: The insurance process is inherently slower and more bureaucratic, often involving multiple third parties like loss adjusters before work even begins.
We know how important your home is to you. By choosing to resolve the issue directly with Geobear, you take back control. Our non-invasive technology is up to 70% faster than traditional methods, helping you protect your asset’s value without the 24-month wait.