Subsidence happens when the ground underneath a building sinks or shifts, resulting in structural issues from cracked walls to uneven floors. Homes in counties such as Galway, Clare and Roscommon are at a higher risk of subsidence, partly because these areas experience heavy and variable rainfall, which intensifies soil movement.

Many homeowners turn to their insurers for help. However, they’re confronted with unfamiliar terms such as “Loss Adjuster” and “Loss Assessor” and suddenly a subsidence claim becomes complicated. Understanding the differences between these terms and what steps to take can help to simplify the process.

What is a Loss Adjuster?

A Loss Adjuster is appointed by the insurer to evaluate the claim on behalf of the insurance company. Loss Adjusters examine the claim, looking into the loss, identifying the cause and whether it’s covered by the policy. Following these checks, loss adjusters provide a report to the insurer, recommending the appropriate settlement based on their investigation.

In a nutshell, they are the insurer’s expert evaluator. They ensure that claims align with the terms outlined in the policy and protect the interests of the insurance company.

What is a Loss Assessor?

A Loss Assessor performs a similar role, but they are appointed by you, the homeowner, to represent your best interests during the claim. They are independent from the insurer, and their job is to make sure you receive a fair settlement under your policy.

So how do they do this? Loss Assessors examine the damage to your home, gather the evidence and negotiate with the insurers, reducing the stress of dealing with the claims process all on your own.

It’s important to note that although loss assessors charge a fee for their services, appointing one can increase your chances of a successful claim.

Why definitions matter in subsidence cases

Subsidence is a tricky problem. It can be a gradual issue, so it may be hard to prove that your house is experiencing subsidence. It can also be expensive to repair, and insurers may argue that the damage doesn’t qualify under your policy. Getting independent support from Loss Assessors and technical experts helps strengthen your case.

Mainmark and the role of technical experts

Identifying subsidence can be a complex process and needs specialist knowledge. Ground engineering experts can provide a clear and accurate diagnosis through monitoring, examining soil behaviour and forming remediation plans.

Mainmark has developed ground stabilising solutions that are quick and effective such as our Teretek® technology which is less disruptive and more cost-effective when compared to traditional underpinning methods. With over 35 years of experience, Mainmark actively works with homeowners and professionals alike in resolving subsidence claims.

Practical tips and advice for homeowners

Perhaps the first question is, how do you know if you should make a subsidence claim? You’ll need to check for internal and external signs of subsidence. Here are some things to look out for:

• Cracks in walls that are diagonal and wider at the top.

• Cracks that are thicker than 3mm

• Sloping or uneven floors

• Doors and windows become misaligned or start to stick due to the warping of the frames

• Wallpaper is creasing is areas where there is no dampness

If you suspect you may have subsidence, and you’re planning on resolving it via your insurers, you should:

• Engage with technical experts early

• Make sure you document the issues

• Contact your insurer

• Consider appointing a loss assessor

Subsidence can be resolved efficiently if action is taken early and you have the right team in place.

Contact Mainmark for support

Dealing with subsidence can feel like a daunting task, but you don’t have to face it alone. Mainmark IE is here to help you through the process. Our experts can provide you with guidance, advice and recommend minimally disruptive solutions.

If you need support, or would like to know about our solutions, contact us today for an assessment.