Homeowners subsidence claim

Please click on the tabs below for help and guidance on how to make a homeowners subsidence claim.

Subsidence is caused by a downward movement of a building’s foundations and is usually a result of changes in the volume of subsoil due to an external factor like trees or leaking drains. However, not all cracks to a building are subsidence related. Many are simply due to normal settlement, shrinkage and swelling due to changes in temperature and humidity or building defects such as lintel failure, wall tie failure or roof spread.

Subsidence related cracks are usually vertical and diagonal and are wider at the top than at the bottom.

You may wish to consult a builder for an opinion as to whether any cracking you have discovered is likely to be subsidence related before you register a claim against your policy. Alternatively you can contact our claims department for guidance.

If you do wish to make a claim please contact your broker or our claims department (Monday to Friday 9.00am – 5.00pm). We will instruct a loss adjuster to investigate whether the claim is covered by the policy, to assess the loss or damage and to manage the claim on our behalf.

Before submitting your claim please check your policy and schedule to see if you are covered and make yourself aware of any limits or exclusions that may apply. A copy of your policy wording and schedule can be provided by your broker alternatively call our claims department. Please note a claims excess will be deducted from any claim payment. The excess amount is a minimum of £1,000 for subsidence claims which is higher than the standard excess on your policy. You should refer to your schedule for details of your excess.

Please make sure you submit your claim as soon as possible.

You may have been provided with a telephone number to report a claim from your broker or intermediary. If this is the case you should use this in the first instance for claim notification.

Alternately, you can contact our claims department 01274 700 810 (9.00am – 5.00pm Monday to Friday).

In order for your claim to be considered a completed claim form will be required but we will register your notification in the first instance and provide guidance as to the next steps. We cannot respond to your claim until notification is received by Integra.


Alternatively, email: claims@integra-ins.co.uk or telephone 01274 700 810 to notify us and request a claim form. We are open 9.00am – 5.00pm Monday to Friday

You can also write to us at:
Integra Insurance Solutions Ltd.
Currer House
Currer Street
Bradford
BD1 5BA

Please complete your claim form and return it to the address above. Please include any estimates, accounts and supporting documents. If you prefer you can fax your claim form to 01274 700 811, or scan your documents and send by email to claims@integra-ins.co.uk. Please remember to sign your claim form.

Before sending any documents and the claim form to us please make a copy for your records.

Once notified, we will assess your claim and aim to respond to you within five working days. Your claim will be allocated a unique claim reference number which you should quote in any future correspondence with us.

Depending on the nature of your claim we may need to contact you for more information or appoint a loss adjuster to investigate whether the claim is covered by the policy, to assess the loss or damage and to manage the claim on our behalf.

If a loss adjuster is appointed they will contact you within 24 hours to arrange an initial inspection of your property.

A loss adjuster will assess whether or not the cause of the damage to your buildings is subsidence related. It may be necessary for site investigations to be undertaken to help establish the cause. If this is required the loss adjuster will make the arrangements.

In many cases, site investigations as well as a period of monitoring will be required to help clarify the cause, extent of the problem and the correct remedial solution. Subsidence claims can therefore take time to conclude but this is necessary to ensure that any problem is correctly diagnosed and rectified.

Please note, in the case of a subsidence claim the excess is £1,000, or higher. Please refer to your schedule.

When a claim payment is agreed we aim to make that payment within five working days.

Claim payments are usually made by cheque directly to you after the policy excess, any voluntary and/or compulsory excess has been deducted; or to a third party on your request.

What is an excess?

How do I pay the excess?

What is a loss adjuster?

Does a claim affect my no claims bonus?

How will losing my no claims bonus affect my insurance premiums?

How long will my new claim take?

Should I contact Integra or my broker?

What do I do if my premises can no longer be used due to the damage?

What do I do if I disagree with the settlement figure or claims decision?

subsidence

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