Subsidence and other types of ground movement
by Admin
Posted on 27-03-2023 11:43 AM
Under the terms of the mine subsidence insuring agreement, mine subsidence refers to the movement of the ground surface as a result of the collapse of underground coal or clay mine workings, which refer to the roof, floor, or pillars within an underground coal or clay mine that are associated with the tunnels and voids that are made underground when coal and clay is extracted. A mine subsidence insurance policy covers damage caused by mine subsidence.
Coverage also extends to losses that result from the movement of the ground surface resulting from a surface discharge due to a sudden and unexpected breakout of water, which is known as a mine water blowout.
Mine subsidence occurs when there is shifting, sinking or collapsing of the ground as a result of mines underground. When there is movement, it can cause sinkholes, depressions or troughs in the land, which in turn can cause great damage to any structures built on or near it. Mine subsidence damage, by definition, is damage caused by a shifting or collapse of the earth from the man-made structure, and not because of a natural occurrence like you might find with an earthquake. There are pockets in the united states, such as in pennsylvania and illinois, where there is a greater concentration of abandoned mines.
Mine subsidence is lateral or vertical ground movement resulting from the collapse of a mine below. This can occur when pillars upholding the structure collapse or when mine roofs erode. Mines can collapse as long as 100 years after they have been abandoned. Mine subsidence is a term that describes this collapse that causes the ground above to sink. It can lead to everything from minor shifts in the earth’s surface to large sinkholes.
Handling a complaint like this
subsidence damage loss assessmentNo one wants to have to make a claim on their home insurance, but should you be affected by subsidence there are ways to make the process as smooth as possible.
Our making a home insurance claim guide tells you all you need to know about handling the claims process and which home insurance companies stand out from the pack when the going gets tough. How do i appeal an insurer's decision?
if you make a flood claim and you feel your insurer has treated you unfairly, don't be afraid to make a complaint. Speak to your insurer first, but if it isn't proving helpful (and you have exhausted the complaints process), take the matter up with the financial ombudsman.
Hopefully you will not have cause to complain. However, if you feel there are serious issues relating to any aspect of our service to you, you should first speak with the person dealing with your particular project. If this does not resolve the issues then you should write to us as set out in our complaints handling procedure. If you are still unhappy, you should contact your insurer setting out the reason(s) for your dissatisfaction.
You should avoid planting trees too close to your property. We recommend that you plant any trees of shrubs as far away from your property as the expected height of the fully-grown plant. If you already have a tree or trees that are close enough to pose a risk, don’t rush into having them removed. Removing the roots can lead to instability and water-logging, creating the ideal conditions for subsidence! instead of removing it, make sure that the tree is regularly pruned back to prevent the roots from growing too deep or too far to cause damage. You should speak to a tree surgeon to help you decide on the best way to do this.