Cheap Underpinned Home Insurance
Compare underpinned home insurance with Quotezone
Underpinning is when a house has had its foundations reinforced. Normally, a house is underpinned if it has suffered some major structural damage, often caused by subsidence or a landslide. Because of this, home insurance providers are often reluctant to provide cover for a house that has been underpinned because the property poses too much of a risk. However, it is possible to still get cover, if you know where to look, as several providers may offer specialist underpinned home insurance.
If your home has had to be underpinned, or you are thinking of buying a house that has had some underpinning work done, getting home insurance can be problematic, and even if you do find somebody willing to provide underpinned house insurance, you may find it is very expensive. One way to find somebody to insure an underpinned house may be to have a look on an online comparison website, such as Quotezone.co.uk.
Cost of underpinned home insurance
Many policies for underpinned house insurance may be subject to an inspection by an independent structural engineer. A structural engineer will look at the property’s foundations and provide you with a report. This can actually help lower the costs of underpinned home insurance, as once you have a structural engineer’s report, you may be able to negotiate a discount on your underpinned house insurance if it is deemed structurally sound.
The things that can help include you lower the costs of underpinned house insurance include, the age of the underpinning, how solid the foundations are, what caused the underpinning in the first place, and whether there is any risk of a repeat event that causes the damage, such as subsidence. If you can satisfy the insurance providers that the property is now structurally sound and unlikely to succumb to any more damage, your underpinned home insurance needn’t cost the earth.