Subsidence: What is it, Causes & How to Fix?

Subsidence should not mean the end of your property journey. 

It’s the word that strikes fear into any homeowner’s heart. Subsidence. When, quite literally, the foundations of your home become unstable, typically occurs when the ground beneath a building sinks or settles leading to cracks in walls, floors, and ceilings – or worse. 

If you suspect your home may be affected by subsidence, it’s important to consult with a structural engineer to assess the situation and recommend appropriate solutions immediately. But what if you are thinking of selling? 

You might ask:

 

Can I sell my house if it has subsidence?

Yes, it is possible to sell a house with subsidence in the UK. However, it will be way more difficult to find a buyer – and you may need to negotiate a lower price. It’s important to be upfront with potential buyers about any subsidence issues and give them any relevant documentation or reports. You’ll find that consulting with a legal professional and a structural engineer will also help you navigate the selling process.

 

What Causes Subsidence?

Subsidence can be caused by a variety of factors, including issues like past or current mining activities, as well as nearby large trees that can absorb moisture from the ground, causing the soil to shrink and settle. Clay soil can shrink and swell depending on moisture levels, leading to subsidence, and even nearby construction projects can disrupt the ground and cause subsidence.

 

What signs of subsidence should you look out for?

Cracks. It seems obvious, but if you see cracks in walls, ceilings, and floors –  horizontal, vertical, or diagonal – if they seem new or have changed recently.

Sloping floors. Floors should be level. If you notice the floors in your home sloping or they seem increasingly uneven, it’s a danger sign. 

Do your doors and windows stick? This is less obvious perhaps – but subsidence can cause doors and windows to become difficult to open or close. So if something gets stuck – or won’t close – it could be a sign. 

Mind the gaps. If the foundation has moved, it could show up as gaps between walls and in corners.

Is there sinking or leaning? If your property appears to be sinking or leaning, it could be a sign of subsidence.

 

What about subsidence insurance – can you make repairs? 

Insurance 

Most standard home insurance policies include cover for subsidence damage, but there may be exclusions or limitations. If your property has a history of subsidence, you may need to purchase a specialised subsidence insurance policy.

The cost of subsidence insurance varies depending on several factors, including the value of your property, the risk of subsidence in your area, and your insurance provider. It’s essential to compare quotes from different insurers to find the best coverage and price for your needs.

Repairs

You will need to consult with a structural engineer to determine the best course of action for your specific situation. These repairs can include: 

Underpinning where the foundation is strengthened usually by installing new support structures beneath the existing ones.

Driving piles into the ground to provide additional support for the building.

Improving the ground through techniques like soil injection or compaction to help stabilise the ground beneath the building.

 

Five Tips for Selling a House with Subsidence

 

1. Make sure you are transparent. You should disclose the subsidence issue honestly to potential buyers. Hiding information can lead to legal problems and damage your reputation.
2. Get professional reports. You should provide buyers with detailed reports from structural engineers and subsidence specialists to demonstrate the extent of the issue and any remedial work completed.
3. Make sure you price competitively. You might want to consider a lower price to attract buyers with a discount to offset the potential risks associated with subsidence.
4. Don’t forget to highlight the positive. You should emphasise the positive aspects of your property – location, amenities, and condition – to counterbalance the negative impact of subsidence.
5. Think about the seller’s market. If the housing market is strong, you may have a better chance of selling your property despite the subsidence issue. However, it’s still important to be transparent and price competitively.

 

Can you buy a house with subsidence?

If you are thinking of buying a house with subsidence there are some key pros and cons.

Pros:

• There’s lots of potential for negotiation. You may be able to negotiate a lower price due to the subsidence issue.
• Think of the long-term value. Property with subsidence, if properly addressed, can still appreciate in value over time.

Cons:

• Increased risk. Untreated, subsidence can lead to further structural damage and increased maintenance costs.
• Finding a buyer may be challenging, and you may need to offer a significant discount.
• Insurance issues. Obtaining insurance coverage can be difficult and expensive.

 

Conclusion: selling your house with subsidence

Selling a house with subsidence can be challenging, but it’s not impossible. By being transparent with potential buyers, providing necessary documentation, and pricing your property competitively, you can increase your chances of finding a buyer. You should consult with professionals like structural engineers and legal experts to navigate the process effectively and minimise risks. 

Remember, while subsidence can be a significant issue, it doesn’t necessarily mean your property is unsellable. 

If subsidence causes your house sale to fall through, it may not be the end of the world. Cash buyers like Zapperty are keen to buy your house in any condition – including with a diagnosis of subsidence.  

So, even with subsidence, with the right approach – or the right buyer –  you can still complete the sale.