One thing to bear in mind is that insurance is always slightly more costly and difficult to source when your house has a history of subsidence, even if rectified.
My house in Penge, but only yards from the border with BR3 is Victorian and the subsidence was remedied in the 80s but still affects our insurance.
My home insurance company organised the repair specialists and they issued the certificate, I even got £1500 towards redecorating where the crack had been. I wouldn’t buy a house that already had subsidence but would buy a house that had had it repaired properly in the past. I suspect a lender wouldn’t lend on a house that had subsidence already anyway.
Thanks CharlieD for your sharing of experience.
May I check who gave you the certificate (as you mentioned)? Is it the specialist who did the repair for you?
I guessed in my case I will need to check if any real subsidence has happened. Appears to me that, it could make a difference for coverage of home insurance then.
Thanks a lot!
Hi mapreader, I actually haven’t heard of a single case here in Beckenham but it was fairly common in East Dulwich were I used to live. I had a bit of subsidence myself and it’s not as big a deal as it used to be, as long as your home insurance is in place and any repairs are monitored and the repair is done by an insurance approved specialist. I was give a certificate at the end and had no problem selling the property when I moved here.
Hi all I have another question regarding property search & buy, in Beckenham.
I am checking out on property and have offer accepted. The Environment Search for the property indicates "it is in an area where some properties may be affected by natural subsidence (Moderate-High potential)".
This is something I should seek more advice from survey. Just interested to know if Beckenham is an area where subsidence potential is common, or perhaps only limited to some small areas.
Again thanks in advance for your advice.
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