Subsidence insurance coverage typically pays for the professional fees of structural engineers and surveyors needed to diagnose the ground movement, as well as the direct physical costs of stabilizing the building's foundations through methods like underpinning or resin injection. It also covers the repair of damaged load-bearing walls, masonry, and foundational masonry frameworks, alongside required interior and exterior redecoration and cosmetic restoration like replastering and repainting. Additionally, comprehensive policies generally include alternative accommodation expenses, covering temporary rental housing and reasonable moving costs for residents if the home becomes structurally unsafe or uninhabitable while major engineering repairs are actively being carried out.
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