You should worry about subsidence and take immediate action if you notice new, progressive diagonal cracks appearing in your exterior brickwork or interior walls that are wider than a coin and continue to grow over several weeks. Other serious warning signs include doors and windows suddenly sticking or failing to latch properly during dry spells, floors becoming noticeably uneven or sloping, and external ground surfaces pulling away from the building's foundation. Catching these signs early during dry summer months or noticing sudden increases in water meter readings—which can point to leaking underground pipes—warrants an immediate call to a structural surveyor and your insurance provider.
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