Domestic subsidence is a common issue that many homeowners face. It occurs when the ground beneath a property sinks due to natural or man-made causes, which in turn causes the building`s foundation to shift and crack. One of the most frequent causes of domestic subsidence is tree roots growing beneath a property, which can cause significant damage and costly repairs.
To address this issue, many insurance companies and property owners agree to enter into a domestic subsidence tree root claims agreement. This agreement typically outlines the terms and conditions of how both parties will address and mitigate the risks associated with tree roots and subsidence.
The agreement may include provisions such as regular inspections of trees and roots on the property, the removal of any trees or roots that pose a risk, or the installation of root barriers to prevent further damage. Additionally, the agreement may specify the financial responsibility of each party in the event of a subsidence claim.
It`s crucial to note that each agreement varies depending on the specifics of the property and the insurance company involved. Generally, the homeowner must prove that they have taken reasonable steps to prevent subsidence caused by tree roots. These steps may include proper maintenance of trees and shrubs, regular inspection, and removal of any trees or roots that pose a risk to the property.
On the other hand, the insurance company may be responsible for covering the cost of repairs that are caused by subsidence due to tree roots, up to a certain limit. However, if the homeowner fails to take reasonable precautions, the insurance company may not be liable for the damage.
In conclusion, domestic subsidence caused by tree roots is a serious issue that should be addressed promptly to prevent further damage to the property. A domestic subsidence tree root claims agreement can provide homeowners with peace of mind and protect them financially in the event of subsidence. It`s essential to work with an experienced insurance agent who can help you understand the specifics of your policy and ensure that you are adequately protected.