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HomeLet warns landlords of potential surge of subsidence

Posted on 2011-07-15

Landlords must ensure their buildings insurance will protect them from affects of subsidence

Research by Professional services claims company Merlin has detected a potential surge of subsidence in the UK this year. Data measurements for the period December 2010 to April 2011 has shown that there are significant soil moisture deficits in the South East of England and the East Anglia region. These dry conditions have increased the concern that there may be a potential risk of a subsidence event.

Since May 2011 certain areas of the UK have experienced reasonable levels of rainfall which has reduced the prospect of this potential surge becoming a national event. It is now limited to the more localised areas of the South East and East Anglia regions; an official drought notice has in fact been posted in East Anglia area. This further serves to support the argument that moisture deficit conditions in that region are unlikely to improve in the foreseeable future and critical levels of moisture deficit could happen around mid July.

John Boyle, Managing Director of HomeLet says; “Landlords must be aware that having subsidence cover within their buildings insurance is important as ever considering the current situation. They must also be mindful that the subsidence cover must be continuous for it to be valid. If a landlord discovers subsidence today; their buildings insurance must have been in place when it first started to occur; else they could find themselves not covered”.

John Boyle continues, “If landlords do not ensure they have continuous and comprehensive subsidence cover; especially within these predicted affected areas of East Anglia and South East of England; their properties could become damaged by the affects of subsidence and putting it right out of their own pockets could cost a fortune. This could also mean their house is inhabitable; thus their tenants having to move out, meaning no rental income.”

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