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Structural building defects in relation to insurance claims
Subsidence (heave and landslip) was added as a peril to domestic insurance policies during the 1970s. Since then Insurance companies have paid out billions of pounds in claims, even though 50–60% of all claims made are declined. This article looks at the causes of cracking in domestic properties including those not caused by subsidence, explores the difference between subsidence and settlement and considers the causes including the impact of trees and drains.
The full article is available to institutions that have subscribed to the journal
Giles Carter qualified as a Chartered Engineer in 1996 and has specialised in claim management for the last 19 years, working in a variety of roles in the insurance, loss adjusting and consulting markets. He is currently a member of the Subsidence Forum Executive and has presented papers at various CPD events on the subject of subsidence. Giles is currently Subsidence Director at Building Validation Solutions, who provides cutting edge solutions in the field of claims validation and management.