UKTC Archive

Re: Subsidence

Subject: Re: Subsidence
From: David Lloyd-Jones
Date: Dec 05 2018 11:49:56
Hi Jim

That's not the most difficult problem for homeowners though, because if you try to sell a house during a subsidence event, it's value will be knocked by up to 20%.

If bought in that condition, you might find obtaining building insurance difficult and that means you will not find a mortgage company to lend you money

So if forced to sell, you either loose a huge chunk of equity, or you have to wait until, the subsidence has resolved.

These situations are forced onto homeowners by Mortgage companies and Insurance companies aversion to subsidence and claims.

Homeowners would be much more reasonable if these institutional aversions to subsidence and subsidence claims was not the case.

Incidentally, I have dealt with loads of these this year and I am just about to specify an automated watering system as an alternative to tree removal where just one small brick built porch is slightly affected. It will be the first such system that I have designed so this one might be interesting.

David



-----Original Message----- From: Jim Quaife
Sent: Wednesday, December 5, 2018 11:36 AM
To: UK Tree Care
Subject: RE: Subsidence

I recall staying with (arb) friends in California and noted a crack in an external wall that I could just get by finger into. "Oh yes, that's subsidence from the two live oaks in the yard".
JQ - "so what are you going to do about it?"
Answer, "We'll fill it when we have a moment."
We also looked at a subsiding house (due to trees) where they had set up an irrigation system. This was in a "moneyied" zone where the lawns were all bright green from regular watering. In the UK we are probably the most besotted with house ownership in the world. That's fine but a house is seen as much as an investment as a home, and anything - ANYTHING - that might devalue it is seen as a major prob. Consequently a crack in a wall is seriously bad news, and even inconsequential ones are reported to insurers. That modern houses are built like potato crisps (brittle) doesn't help, and insurers will not put reliance upon irrigation because:
1. Humans would forget to turn the tap on, and
2. When you want to turn the tap on there will be a hosepipe ban!
Ho-hum!
Jim

-----Original Message-----
From: uktc-request@xxxxxx.tree-care.info [mailto:uktc-request@xxxxxx.tree-care.info] On Behalf Of Howe, Ron
Sent: 05 December 2018 10:29
To: UK Tree Care
Subject: RE: Subsidence

I've seen recent movement from Aviva to the effect that they are taking many claims less seriously than in the past. On the basis most buildings move and crack they are asking people to be less fussy and to get on with life and repair the damage because, the building isn't falling down or hasn't lost its water tightness. We have, over the years lost our tolerance to buildings moving and cracking when, in older days, we would just accept it and get on with life after superficial repair ... the pedantic and snowflake generations!

Ron Howe
Tree Officer (Planning)
Mole Valley District Council
Tel. 01306 XXX XXX

-----Original Message-----
From: uktc-request@xxxxxx.tree-care.info [mailto:uktc-request@xxxxxx.tree-care.info] On Behalf Of Jim Quaife
Sent: 05 December 2018 09:52
To: UK Tree Care
Subject: Subsidence

I note that the news is that this autumn has been the worst for subs in for years. The BBC website has a new article about it with a Getty stock photograph of a cracked brick wall. The complier obviously looked for a photo of a wall with a crack in it - I am not a structural engineer but that ain't subsidence!
Jim


https://www.bbc.co.uk/news/business-46440517



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The UKTC is supported by Bosky Trees arboricultural consultancy
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