That last point changes the client conversation. Subsidence damage typically becomes visible through late summer and autumn. Hastings has predicted volumes will remain elevated through October unless sustained rainfall restores soil moisture. The Association of British Insurers (ABI) Q2 2026 data, cited by the Guardian, shows the average settled claim has reached a record £20,000. Insurers paid out £72 million on domestic subsidence claims in the second quarter alone.
