What happens if I have recently changed my buildings insurer - do I claim from my current or previous insurer?

The ABI Domestic Subsidence Change of Insurer Claims Agreement sets out which insurer will deal with your claim where there has been a change of insurer.

Under this:

• Where the Date of Notification of the claim is eight weeks or less from the date of inception of the current Insurer's policy, any claim shall be accepted and dealt with by the previous Insurer and no contribution shall be requested from the current Insurer.
• Where the Date of Notification is one year or more from the date of inception of the current Insurer's policy, any claim shall be accepted and dealt with by the current Insurer and no contribution shall be requested from the previous Insurer.
• Where the Date of Notification is more than eight weeks but less than one year from the date of inception of the current Insurer's policy, any claim shall be accepted and dealt with by the Insurer to whom notification is given and the Cost of Settlement shared equally between the two Insurers.

The Agreement is voluntary and may not apply in all cases. If you are unsure about the claims process for your property contact your insurer or broker.

As well as subsidence damage to properties, damage caused by heave and landslip are standard features of buildings insurance cover.