Subsidence is often included under buildings insurance, but cover, exclusions and the subsidence excess vary between policies and providers. Contact your insurer promptly if you notice significant cracks, sticking doors or windows, or other possible signs, and avoid arranging major repairs before they have assessed the damage. The insurer may appoint a loss adjuster or structural engineer to investigate the cause and recommend next steps. Check your policy wording, disclose any previous subsidence when applying for cover, and consider professional advice if you dispute the insurer’s assessment.