Do you know what subsidence is?Cracked Wall

When thinking of damage that can happen to your property you most likely think of a fire or flood but what about subsidence?

If you are a property owner you most likely know all about the possible damage that fire and flooding can inflict. However, subsidence is not a sudden event and not many people have information about it. In this article, I’m going to talk about the dangers of subsidence and some information about causes.

To begin subsidence is defined as the shift of a property due to defects in the foundation characterised as a downwards shift. Now when hearing that small description it may not sound serious but any shift and change in foundations can cause substantial damage.

Subsidence Damage

The damage subsidence can create include loss of structural integrity, cracked walls, ceilings and flooring. Subsidence is more complicated to solve then simple fire damage as the removed materials cannot be easily replaced. The affected material is the foundation of the property which removing would severely damage the property.

Subsidence occurs due to faults in the foundation, these faults include poor construction/materials as well as shallow foundations. These foundations provide inadequate support for the property. Shallow foundations are usually a result of older construction dates due to the standard of buildings being improved over the last 30 years requiring deeper stronger foundations as well as stronger more durable materials being used during construction.

A thick crack caused by subsidenceAnother cause that is commonly overlooked is tree proximity to the property. The roots of trees burrow in many directions around the base of the tree. If these roots come into contact with your foundation it can embed itself and weaken the structural integrity. The type of tree is also vital as some trees utilise thicker roots as they require more nutrients.

Want more information?

A lot of the information in this article I sourced from one very useful page I would recommend checking it out for additional information (and worded more professionally). The website is Also, check out their subsidence signs page to help you spot any damage.… Read More

Loss Assessors

Public Loss Assessors

Independent Claims Management 

Loss assessors are generally appointed by the policyholder instead of the insurance company and work just like a loss adjuster. The main difference is that they are employed to look after the interests of their client, the person who has informed their insurer that they have a claim.

Loss Adjusters are employed by insurance companies, it is commonplace for a small amount of bias for the insurance company to influence the claim. This is due to the fact that at the end of the day the insurance companies are paying their wages. Don’t you want a fully independent loss adjuster but don’t want to risk using an unregulated independent loss assessor?

Public Loss Adjusters

Public Loss Adjusters are loss assessors who are independent of insurance companies but are members of the Chartered Institute of Loss Adjusters and regulated by the Financial Conduct Authority. This insurance claims management company can manage your insurance claim from the start of contact right through to the full settlement of your claim and/or until your property is restored to its pre-loss condition.

Public Loss Adjusters are willing to go the extra mile by appointing independent surveyors to assess the full extent of the damage to ensure no bias is present during your comprehensive claim. They are a company that will take over all negotiations with your insurer on your behalf to ensure you can just sit back and watch the claim be solved.

Experience is key

These loss assessors can recommend a variety of experienced restoration companies who repair properties that have suffered the type of damage or damages that your property has. This ensures that the restoration works if carried out by their recommended companies will be of a professional standard.

Public Loss Adjusters are a fully independent loss adjusting company who will work tirelessly on your behalf, covering every aspect of your claim to ensure that you receive your full entitlement!

If you have a new or an ongoing insurance claim that is taking a long time to settle, maybe you should consider taking advantage of the services that Public Loss Adjusters offer. Simply call 08000 434 999 to talk to a professional today or visit for more information.Read More