home insurance

[lesbrousses]

is there a difference from an insurance company point of view between

a) subsidence

b) heave or landslip.

c) settlement.

or are they all classed as the same from a risk level?

when they give you a quote.

[xwordmad]

Hi - I dont have the answer... But valuers work out insurance figures using BICS tables - Which I believe is industry standard... You might find some useful info going to www.bcis.co.uk ... They may have guidelines concerning this?

[alunrw]

Heres what the ABI (Association of British Insurers) have to say about it
http://www.abi.org.uk/Display/default.asp?Menu _ID=1140&Menu_All=1,946,1140&Child_ID= 405
But in practice unless the area you live is a known subsidence area, or your property is affected or has been previously affected they would in all probability be treated as the same risk.