Subsidence at your home can be catastrophic and put at risk what for most people is their most valuable asset.

Before the insurance company will accept that you have a valid claim, there will need to be extensive site investigations such as trial holes, soil tests, drainage tests and monitoring that can go on for months or even years.

Throughout this period, you have to endure the distress of seeing your home literally falling apart around you.

Unless you appoint a claims consultant like Salmon Assessors, you as the policyholder are responsible for all of the above - and a lot more besides. Don't forget - the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can.

Your house is probably your most valuable asset. One day you may want to sell it. If your subsidence works have not been carried out properly and to the correct specification, your buyer’s surveyor or lender will spot the poor work and either reduce the purchase price or refuse to buy at any price. Salmon Assessors will ensure that the integrity of your building is maintained and that this danger will not arise.

Unless you happen to be an insurance expert yourself, you simply won't know whether what the Adjuster is telling you is correct or not, or whether you are getting what you're entitled to. With some insurance companies reporting 300% increases in new subsidence claims, they are becoming more and more reluctant to pay for underpinning (strengthening the foundations to prevent further movement), opting instead for cosmetic repairs in the hope that the problem won't recur. It is not unknown for insurance companies to 'patch up' properties two or even three times before finally accepting their obligations to solve the cause of the problem.

Engaging Salmon Assessors to look after your interests is the only way you can be truly sure that you receive your full entitlement. Click here to read more about how we can help you. For a no obligation review of your claim by an experienced consultant.