Subsidence can happen when ground beneath a building sinks, pulling the property’s foundations down with it. This may be because of soil losing moisture and contracting, often thanks to prolonged dry spells or trees and shrubs drawing water from the ground. Louise Clark, manager of general insurance policy at the ABI, said: “Climate change is significantly increasing the risk of subsidence in the UK, particularly in areas with clay-rich soils that sink and swell in response to changing moisture levels caused by hot temperatures. “If you suspect your property has suffered from subsidence damage, contact your insurer as soon as possible. Wallpaper that starts to rip or crinkle in areas not affected by damp could be another possible sign of subsidence.

Source: The Times August 11, 2025 14:05 UTC