How do I get insurance for a house with a subsidence history?

"The house I'm buying had subsidence issues a few years ago, but it's been properly repaired and underpinned so there shouldn't be any problems going forward. When I tell insurance companies about the subsidence while getting quotes, they get spooked and refuse to provide coverage. How do I get insurance in this situation?

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Answer provided by
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Shannon Martin
Answered on Apr 08, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“It can feel very overwhelming when an insurance company denies you coverage, but there are some things that you can try in this situation. For example, there may be other homes in the immediate neighborhood that have also had subsidence issues. You can talk to your neighbors to see what agent or insurance company they use or have used, or your realtor may be familiar with carriers for that area.
You can also ask your agent what repairs or actions need to be taken in order for the house to be considered insurable. In this case, it sounds like the situation has been remedied, so any paperwork showing proof of repairs would be necessary.
If this fails, you should contact your state’s Department of Insurance, as they should be able to provide further assistance. “
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