Properties with history of subsidence are more at risk to further damage, unless remedial works have been previously carried out at the property, such as underpinning.
When undertaking renovations, it is important to note the extent of previous movement and subsidence at the property, the cause of it and the work that was done to repair and prevent future works. If you have all the relevant documents and if damage was not too long ago then insurers will increasingly look to include subsidence cover – although potentially at increased excesses for any damage related to subsidence. They will additionally look at the risk that the work presents to the property – for example there is greater risk if you are looking to do some form of digging and/or structural work to the property compared with purely decorative or other non-structural internal work. It is perhaps even more pertinent that properties with previous subsidence issues have the full cover (even at increased excesses) during works – as this is probably one of the greater areas of risk.