Subsidence Damage Insurance Claims: A Guide to Navigating the Process

Subsidence Damage Insurance Claims

Subsidence damage can be a frustrating and stressful experience for homeowners across Ireland. This is becoming increasingly more common for houses throughout Ireland. This is clearly an issue that you need to resolve with your Property Insurance Provider.  If you suspect that your property is suffering from subsidence damage, it is important to understand the process of making an insurance claim and the steps involved to ensure a successful outcome. In this blog post, we will provide a comprehensive guide to navigating the subsidence insurance claim process, including the services we offer at PDLA.

What is Subsidence?

Subsidence is caused by the undermining of the foundations of a property which causes downward movement in the external walls, resulting in cracking in the structural walls of a building. It is important to note that subsidence and Pyrite damage are completely separate issues.


The Subsidence Insurance Claim Process

At PDLA, we understand the difficulties that come with making an insurance claim for subsidence damage. Our owner, James Armitage, is a qualified Quantity Surveyor, and we can arrange for professionals to audit the problem and provide a comprehensive report on the cause and extent of the damage.


The first step in making an insurance claim for subsidence damage is to contact our home insurance assessor team to arrange an assessment. Our team will help you assess the damage and determine whether you have an admissible subsidence claim under your Home Insurance  policy.


Establishing an Admissible Subsidence Claim

To establish an admissible subsidence claim, it is necessary to prove the cause and source of any cracks. This requires specialist investigation and engineering opinion by way of a written report to prove if a case exists. An engineer will also be required to specify a course of remedial works, usually by under-pinning the foundations, and crack repairs or re-building of affected walls and all associated works.


At PDLA, we provide a turn-key solution to subsidence insurance claims with our external team of specialists that include nationwide structural engineers and drain CCTV surveys to initially establish the cause of the building movement. This is backed up with written reporting which can be presented to the insurance companies' loss adjuster and their engineer. This will maximise the value of your claim.


Managing the Subsidence Claim

Subsidence claims can be very difficult to negotiate and require dedicated and professional representation to succeed. Our team at PDLA will work closely with you to ensure that your subsidence insurance claim is managed efficiently and effectively. Our nationwide team of loss assessors and building experts are there to ensure you receive the maximum amount of settlement for your claim and your subsidence damage and building damage is repaired by the best subsidence repair construction contractors.


Start the Process

At PDLA, we understand the stress and frustration that comes with dealing with subsidence damage. That's why we offer a range of services to help homeowners across Ireland navigate the subsidence insurance claim process. If you are experiencing subsidence damage and need to make an insurance claim, contact our team today. We are committed to providing you with the guidance and support you need to ensure a successful outcome.





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By Alastair roe • December 4, 2025
Most Irish homeowners only read their insurance policy when something goes wrong. Unfortunately, this usually means they discover key exclusions and conditions at the worst possible moment. Understanding the details of your home insurance policy in advance can prevent disputes and ensure that you know what to expect when filing a claim. Commonly Misunderstood Policy Terms 1. Gradual Damage Exclusions Irish home insurance policies rarely cover issues that develop slowly over time. This includes long-term roof leaks, slow plumbing leaks, dampness, mould, and rot. Insurers frequently reject these claims because they consider them maintenance issues rather than sudden events. 2. Maintenance Requirements Most policies require homeowners to keep the property in good condition. If damage is linked to neglect, insurers may reduce or decline the claim. Examples include worn flashing, loose tiles, deteriorated pipes, or blocked gutters. 3. Confusion About Trace and Access Many homeowners assume their insurer will pay to locate the source of a leak. Some policies include this benefit, but others offer limited cover or none at all. Understanding whether trace and access is included is important, as identifying the source of a leak can be more expensive than repairing it. Why Claims Get Declined  1. Insufficient evidence Lack of photos, videos, or proof of sudden damage can lead to disputes with insurers. 2. Repairs performed too early Fixing damage before reporting the claim removes crucial evidence and can weaken your case. 3. Misinterpreting what the policy covers For example, roof damage is not automatically considered storm damage. Insurers often require proof of strong winds in the area and evidence that the damage occurred during the storm. How to Prepare Before Filing a Claim 1. Review your policy regularly A yearly review can help you stay informed about your coverage and any changes the insurer may have made. 2. Know the difference between sudden damage and gradual deterioration Sudden damage is typically covered, while gradual deterioration is generally excluded. 3. Keep maintenance records Photos, invoices, and receipts can protect you if the insurer questions the condition of the property before the incident. 4. Document damage immediately High-quality evidence is essential when dealing with insurance companies. Understanding your policy before you file a claim can save time, stress, and unnecessary costs. When you know what is covered and what is excluded, you are better prepared to take action after an incident. If you want help interpreting your policy or handling a claim, Property Damage Loss Assessors can provide professional support from start to finish. Call James today to discuss the damage to your property and get expert guidance for your situation.