When the UK was full of working coal mines, there was a lot of housing built very close to the Coal mines, and over the years as the mines grew larger the shafts sometimes went under the homes. When subsidence, ground heave and landslip in the area was noticed the Coal Board usually paid out to have the properties underpinned. These properties find it difficult to obtain insurance and the insurers may still ask for a mining survey.
Our specialists have insurers that are willing to help place this business and without the costs of having a mining survey done.
If the property has been underpinned, they should be treated correctly and in most cases they are possibly a better risk than those that have not had any work done to them. Underpinning the property is usually done by specialist builders who basically jack up the house and lay concrete under the affected areas. Most insurers avoid properties that have suffered any form of underpinning and will only insure risks that they have previously insured. As such there is a very small market and we have the ability to help those people, whether the property, is currently owned or is being purchased.
Areas that suffer this are found all over the country, but main coal mining areas of Derbyshire, Nottinghamshire, Cumbria, Kent and parts of Wales are the worst affected.
If you would like help or advice with your insurance issues, please fill in the call back form on our subsidence/underpinned page