Well insurance company are taking the P
according to the surveypors report
Proximate Cause Ground dehydration
Cause of Damage/Peril Ground movement
Inspection at the rear of the two-story property identified a crack in the vertical mortar line under the timber window of the conservatory
suggesting modest ground movement possible induced by ground dehydration associated with the unprecedented and elevated temperatures in
2022
their response to this was
I have shared the report stating the damage is thermal/atmospheric conditions which is not covered under the terms of the policy.
I have replied to them with the Financial Ombudsans definition of subsidence (which the policy does cover)
Subsidence The ground beneath a building sinks, pulling the property foundations down with it. It usually occurs when the ground loses moisture and shrinks, which can be caused by prolonged dry spells. It may also be caused by trees and shrubs which can absorb significant volumes of water from the soil.
Was the same shenanigans when I was claiming for my bike on the home insurance