Subsidence occurs when the foundations of a property begin to sink lower into the ground. Most of the causes are natural such as the type of soil a house is built on or the surrounding vegetation, but some man made factors such as persistently leaking drains can also be a cause.
If you have subsidence at home your insurance company should be able to help, if you have taken out buildings cover.
The majority of policies will provide cover up to a pre-determined amount. Some providers will provide money for alternative accommodation.
It is important to note that unless an individual has taken out a policy that provides garden cover, damage to things such as garden walls or ponds may not be included within the cover.
After being informed of the subsidence, the home insurance provider will most likely send someone to assess the damage.