Has anyone had issues with subsidence caused by tree outside property?

[EDmummy101]

If you have any experience dealing with local authority or insurance company please can you private message me, as I would appreciate advice and to hear from someone who's been successful in having a tree causing damage removed from the pavement outside house.

I love trees but it doesn't seem sensible to have planted species which are growing or will grow into tall/large trees and need somewhere for their roots to grow... huge problem in this area (stumps and empty patches in pavements galore) especially with clay soil already causing some soil movement. 

Thanks and hopefully no rude replies. Seem to be some on here with too much time, ready to attack or with sarcastic comments.

[Moovart]

If you report this to Southwark they'll probably advise you to make a Third party claim or contact your insurance company. 

Obviously if your building is not yet affected you may be reluctant to contact your insurance company because it can lead to problems in future when you go to renew even if you don't make a claim. 

If it's just the pavement and garden wall etc you could start the conversation about removing/replacing the tree with the tree officer at Southwark, copying in your councillor if you get no reply.  

The claim advice is in the link if you want to go down that route or ring them for advice

https://www.southwark.gov.uk/housing/homeowners/leaseholders/building-insurance/make-claim

 

[EDmummy101]

Thanks, v helpful

[Earl Aelfheah]

We had this problem. Went through insurance. Big mistake. My advice, patch up the cracks and don't worry about it.

Edited Wednesday at 11:38 by Earl Aelfheah

[vladi]

48 minutes ago, Earl Aelfheah said:

We had this problem. Went through insurance. Big mistake. My advice, patch up the cracks and don't worry about it.

Agreed 100%.

Don't go near your insurance provider. You will condemn your property to massively increased premiums for ever more. Plus you will find it virtually impossible to switch insurers in the future.

[AllisonAdler]

16 minutes ago, vladi said:

Agreed 100%.

Don't go near your insurance provider. You will condemn your property to massively increased premiums for ever more. Plus you will find it virtually impossible to switch insurers in the future.

Agreed 100% also. We went through an epic trauma getting a tree removed in Forest Hill and were then made to go through our insurance by the council for the repairs. Ended in complete misery--raised premiums, difficulty switching insurers, and all for a few very minor cracks! It's changed a lot over the past fifteen years, from what I can gather, because the previous owners of our house had a much more serious problem with the same tree, but they managed to get their insurance to force the council to pay...

[Penguin68]

Trees in streets can cause e.g. boundary wall disturbance and issues around the trunks, but remember that tree roots in the main go down, so are unlikely to directly disturb foundations of houses, although they can, on clay soils, have some impact on water tables which may consequently cause movement. However trees, with most older houses, even where they may show some cracking are often not actually materially disposed to cause real problems (which more often are caused by building on hillside slopes etc.). We had slight cracks in a front wall facing the street when we bought our house nearly 40 years ago, the cracks have now effectively closed and over those 40 years we have had no subsidence issues at all, (fingers of course still firmly crossed).  Insurers love subsidence and 'rising damp' as it allows them to whack up premiums without any real risk to themselves.

Unless you now have clear and visible problems I really wouldn't worry. And I'd certainly not start any process which may only result in your paying much higher premiums, or making your house unsaleable in the future.

[Moovart]

A good neighbour would discuss the problem with you, take heed of your concern and do something about their tree causing or potentially causing damage to your property. 

Unfortunately Southwark seems to behave like a "bad neighbour" in this situation, not wanting to respond to concerns unless forced to by a third party claim. 

The only alternative is to keep badgering them to take seriously their responsibility for council owned trees in relation to neighbouring properties in the hope they will eventually act.

In the end the residents bear the cost either way ☹️

[Rockets]

@EDmummy101 is the tree causing issues now or is this pre-emptive? Our neighbours had a problem caused by a tree outside their property and the council did come to remove it but only after they had proved that it was the cause of the problem in their house.

[Moovart]

26 minutes ago, Rockets said:

@EDmummy101 is the tree causing issues now or is this pre-emptive? Our neighbours had a problem caused by a tree outside their property and the council did come to remove it but only after they had proved that it was the cause of the problem in their house.

Can I ask how they proved it?  Structural engineer's report?  Insurance claim? Other?

[Rockets]

I am not 100% sure but I think it was a structural engineer's report - the ceiling in their front room collapsed and the council removed the tree in the pavement outside their house.

[Earl Aelfheah]

The thing to be aware of, is once you know for sure that it's subsidence, you have to report it to your insurance company. So decide how bad the issue is and whether that's a ball you want to start rolling.  If it's just a few cracks, then I would just get then fixed up and not worry too much.

[EDmummy101]

On 19/03/2025 at 14:36, Rockets said:

@EDmummy101 is the tree causing issues now or is this pre-emptive? Our neighbours had a problem caused by a tree outside their property and the council did come to remove it but only after they had proved that it was the cause of the problem in their house.

Definitely problems caused by tree and clay soil, hot summers = less moisture in the soil etc