Impact damage and subsidence claims.
A vehicle into the front wall, a fallen tree onto the roof, or a slow structural movement showing as cracking. Different causes, different investigations, and often a third-party recovery on the impact side.
What this claim really involves.
Impact and subsidence sit in the same specialist bucket because both need engineering evidence to establish cause. On impact, cause is usually obvious but the third-party recovery is often missed. On subsidence, cause has to be evidenced through monitoring and specialist investigation before the settlement can be scoped properly.
Where impact and subsidence claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Third-party recovery not pursued after a vehicle impact, leaving the policyholder’s excess unrecovered
- Subsidence damage reinstated before cause is confirmed, leading to recurrence
- Monitoring period rushed, causing an inadequate scheme to be adopted
- Adjacent trees and drainage not properly investigated as contributing causes
- Insurer trying to settle short on cosmetic reinstatement without addressing structural cause
What KBR Management does
- Impact, pursue third-party insurer for recovery in parallel with the primary claim
- Subsidence, instruct a structural engineer and where required a specialist monitoring contractor
- Investigate tree, drainage and heave contribution properly
- Argue for the scheme that actually cures the cause, not the cheapest cosmetic reinstatement
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About impact and subsidence claims
Answers to the questions we hear most often about this claim type.