RKK 81

I am going to talk to our neighbour. Should I contact our insurance ? I am a bit worried how it will affect our future premium and resale value. Do i need to book a surveyor assessment before getting a legal advice? I am very new to the UK system and had never legal issues in past. Thank you

Hi all, I would be grateful for your suggestion, advice and guidance. To start with, we moved in this house 4 years back which is just over a 10 year old property. We noticed widening of movement joint last year September. We reported to the builder but they replied that its for purpose and don't need to do anything. Last week, I noticed widening of the movement joint and stepped cracks in the wall, extending from lower end of the movement joint. We contacted NHBC and they apologised by saying that the home warranty ended in mid Dec 24. My concerns are, a) what is the significance of these crack, definitely much more than 3mm gap b) should i contact our insurance company to help? how it will affect our premium and property value in the future? c) the reason for these changes, ?there as 2 well growing neighbour's willow trees within 5-8 meters ?structural issue during construction as its only 10 years old house d) neighbour is not helpful as they are not planning to prune them even after 3 years e) do we have any legal right to ask our builder who told us no action needed and the crack worsened Thanks in advance A worried house owner