Recent figures from the Association of British Insurers (ABI) highlight just how serious the issue of subsidence has become for UK homeowners. In the first six months of 2025 alone, insurance payouts for subsidence damage totalled an estimated £153 million, with almost 9,000 households receiving support from their insurers. The average cost per claim stood at £17,264, underlining the significant financial impact that subsidence can have when it strikes.
Subsidence happens when the ground beneath a property begins to shrink or shift, pulling down the building’s foundations with it. This is most commonly triggered when soils lose moisture during extended periods of hot, dry weather. Trees and shrubs planted close to buildings can make the problem worse, as they draw additional moisture out of the ground.
The release of the ABI’s latest figures follows confirmation from the Met Office that spring 2025 was the warmest on record across all four nations of the UK. These hotter, drier conditions increase the risk of subsidence, and it is likely that more households will feel the effects as weather patterns continue to change in the years ahead.
Spotting the warning signs early can help homeowners take action before problems escalate. While not every crack in a wall signals subsidence, certain types of damage are more concerning. Cracks that are wider than 3mm – about the depth of a £1 coin – should be treated with caution, especially if they are diagonal in direction, wider at the top than the bottom, and visible both inside and outside the property. Other red flags include internal doors and windows that suddenly start sticking without explanation, or wallpaper that begins to ripple, tear, or crinkle in areas unaffected by damp.
One important thing to note is that subsidence cracks typically appear quite suddenly, rather than developing gradually over time. If you notice any of these signs in your own home, it is sensible to seek professional advice as quickly as possible. Early investigation can not only prevent further damage but can also give you peace of mind.
From an insurance perspective, subsidence is one of the more complex claims that homeowners may face, as repairs often require specialist contractors and can involve significant costs. Having the right level of cover in place is therefore essential. A comprehensive policy ensures that, should the worst happen, you are not left to shoulder the financial burden alone.
As a broker, we are here to help homeowners navigate these challenges. Whether you are concerned about your current level of protection, have spotted potential warning signs in your property, or simply want reassurance about your policy, we can provide guidance and advice tailored to your situation.
If you’re worried about subsidence or would like to review your home insurance cover, get in touch with our team today.
