Spreading the cost
Paying for underpinning
Foundation work on Surrey clay can run well beyond a household contingency fund. This page looks at where buildings cover usually steps in, and what happens if part of the bill needs to be spread out.
Claim on your buildings policy
Most UK buildings insurance includes subsidence, heave and landslip, so a claim is usually the first place to look. Check your schedule for the excess, which tends to be larger than on ordinary claims.
Homes where the main house has moved and the policy is in force.
Pay the uninsured part yourself
Some costs fall outside cover: the excess, work on an uninsured outbuilding, upgrades you choose to add, or a repair where the insurer has declined the claim. Those are yours to pay.
Households with savings to meet a shortfall after a claim.
Spread payments through a broker
If you would like to pay in instalments, you can be referred to a finance broker, a separate firm. Rates and terms come only from the broker.
Households who prefer to pay over time rather than in one sum.
How finance works through this site
If you would like to pay in instalments, Surrey Underpinning can refer you to a finance broker. The broker is a separate firm with no ownership link to this business. Any application is assessed and decided by the broker and the lenders it works with, not by Surrey Underpinning, and we have no say in the outcome. Acceptance is not certain: an application can be declined depending on your circumstances and credit checks. Where a referral leads to an arrangement, Surrey Underpinning may receive a commission from the broker. Rates and terms come only from the broker, so compare them carefully and borrow only what you can comfortably repay.