Hitesh

Noted - thanks all for your comments

Thanks The external walls are brick with rendering. Will get a SE soon.

Photos attached - the cracks are around 1mm wide. The wall where most of the cracks exist was the original external wall before an extension was built about 35 - 40 years ago. So it goes all the way up. There is a bay tree about 3 meters away and an ash tree about 12 meters away. Yes the floor (of the extension) seems to be sinking. I am waiting for the formal letter from the insurer - once I have this, I will show this to SE and get their report. Thanks for taking the time to read and respond.

Afraid not

I am afraid I have no idea. The house is approx 100 years old, if that may give clues.

Thanks We had the house 20 years before the UFH was installed. Wooded floor prior to installation of UFH. Would the solid concrete floor done at time of UFH installion put additional pressure on the internal walls? TIA

Thanks both for your prompt responses. The wording from policy document is - "we wont pay claims for Damage to solid floors, or damage caused by solid floors moving. We’ll pay these claims if the foundations underneath the outside walls are damaged at the same time and by the same cause" We have underfloor heating installed about 7 years ago when the solid floors were done. The damage seems to internal walls only and external walls seem to be OK. I can ask the SE about this, I suppose. No drawings available.

Hi - we live in a detached house in Harrow (NW London) which has a solid concrete floor. We have subsidence showing in various internal walls but nothing can be seen on the external walls. My insurance company had declined the claim as we have a solid concrete floor which was davastating. My questions are 1)Has anyone heard of claim declined due to solid floor? If yes, what are the reasons for this? (I am waiting to hear from my insurer on this) 2)I am looking for a good structural engineer to help me with the whole project - any recommendations? Thanks in advance Harish