Subsidence Claims - is there a central register?

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    Subsidence Claims - is there a central register?

    Is there a central register of Subsidence Claims?
    (I know this is done for some types of insurance to prevent fraud.)
    If there is such a register, who maintains and operates it?

    Earlier this year I lost a property sale, and I believe that the prospective purchaser was given incorrect information about the claims history for the property.

    I inherited a property in 2007 which was in the process of being repaired after a subsidence claim had been made on the Buildings Insurance.
    The cause of the problem (leaking water main) had already been fixed. The damage to the property was not extensive (cracks in walls and ceiling), and only affected one corner of the property.
    After the subsidence repairs had been made and the work completed, I received the Certificate Of Structural Adequacy. Shortly afterwards I put the property on the market. I was quite open about the subsidence claim. I let the Estate Agent have a copy of the Certificate of Structural Adequacy, along with a letter from the Buildings Insurer stating that they were prepared to continue insurance for potential purchasers.

    I accepted an offer in the first quarter of this year, but the prospective purchaser pulled out after 3-4 months. The reason they gave for withdrawing was that they had been informed that there had been a PREVIOUS subsidence claim on the property in the 1950s. This was not true! The property had been in my family for approximately 70 years, and I am certain that there was no earlier subsidence claim.
    Unfortunately the withdrawing purchasers would not give any documentary evidence of where this information had originated. Repeated attempts by the Estate Agent (and Solicitor) failed to get anything more.

    However, my parents had once lived in a DIFFERENT property in the same street. That property had indeed been underpinned in the 1950s (about 15-20 years before my parents moved in). This property had also required a second subsidence claim in the early 1990s.

    I wonder if the incorrect historical information has arisen because someone somewhere had been looking at a register of subsidence claims which has wrong information in it. Or, if it holds correct information, the person consulting it saw the same surname associated with subsidence claims on two different properties in the same street (with VERY similar numbers) and confused the two properties.

    I want to make certain this doesn't happen again with any future prospective purchasers.
    Does anyone know how I can determine that there isn't incorrect information being held?

    #2
    subsidence need not be an issue

    Dear Jonathon
    I am the site insurance topic expert.

    I think the real reason your sale fell through is that I know experience from the many clients I help that estate agents have a habit of going deaf when subsidence is mentioned. But the main reason was that the buyer could not find an insurer to cover them. I can iff needed give you advise abouting a building with previous subsidence. Cover that in fact unlike the rest of the whole insurance market is guaranteed to pass to any buyer.

    Yes there is central register of all claims its called CLUE CLaims & Underwriting Exchange wereby all claims are logged on a central database unfortunatly it is only for insurance companies. I can try to put this right for you if you can contact me direct
    Neil NEW direct dial 0208 8509697
    email

    Comment


      #3
      Help Insurance cover property subsidence

      Hi
      I have a similar problem with insurance for my property, there was a subsidence claim arround July 2005, any advise on where to get insurance cover would be much apprieciated

      regards

      Originally posted by specialist View Post
      Dear Jonathon
      I am the site insurance topic expert.

      I think the real reason your sale fell through is that I know experience from the many clients I help that estate agents have a habit of going deaf when subsidence is mentioned. But the main reason was that the buyer could not find an insurer to cover them. I can iff needed give you advise abouting a building with previous subsidence. Cover that in fact unlike the rest of the whole insurance market is guaranteed to pass to any buyer.

      Yes there is central register of all claims its called CLUE CLaims & Underwriting Exchange wereby all claims are logged on a central database unfortunatly it is only for insurance companies. I can try to put this right for you if you can contact me direct

      Comment


        #4
        The first port of call should be the previous insurer of the property. They will obviously know about the subsidence claim and have provided cover knowing these details.

        If they are unable to help then visit the LandlordZONE Insurance Directory and try some of the insurance brokers there.

        Do not try and get an online quote as most online systems will just reject anyone who has had a subsidence claim. You will need to ring the brokers in question and speak to them so that they can manually look at your specific case.
        Steve Smith - Company Director at a leading Landlord Insurance broker with 20+ years experience in the industry
        LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
        See my profile for contact details

        Comment


          #5
          Thank You for your advice

          Comment


            #6
            You should also bear in mind that insurance claims are not always made on all properties. Some may be dealt with by other warranties or litigation, or by the uninsured.

            I recall one mortgage valuation where the owners two builder brothers then retried underpinned the house themselves.

            And had dug a trial pit to let me see!

            All should require building regulation consent, and an early check there on the subject house is worthwhile.
            Based on the information posted, I offer my thoughts.Any action you then take is your liability. While commending individual effort, there is no substitute for a thorough review of documents and facts by paid for professional advisers.

            Comment


              #7
              I have a similar problem in that an insurance company I was trying to obtain a quote from claimed the flat was in an area with subsidence issues and declined the insurance.
              This was a complete shock to me.
              I checked with the local city Council who stated the flat was not in an area of subsidence. Also with an independent surveyor who is familiar with the area who also stated there is no subsidence in the area but he was aware one building had settlement issues.
              I forwarded this information onto the insurance company and tried asking them the root of their information but they are stating they are not obliged to help me and are more or less calling it a day.

              I would like this alleged 'subsidence' issue to be cleared up as I believe I would need to disclose if I have been declined cover. Also I am concerned in case this rumour is spread somehow.
              Can anyone help please?

              Comment

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