Hi, I am in the middle of a 4 year + subsidence Insurance claim involving medium plasticity clay soil and 2 x 300-350 year old TPO oak trees 13 metres from tge front of the property and 15 metres from the back of my property.
* data monitoring started 4 years ago.
Medium clay soil found after trial pits dug. Oak roots identified under foundations but no DNA analysis done to ascertain which or both oak roots are under property.
* only 1 oak tree crown reduced 3 years ago. Movement continued after pruning
* tree is within my property but near boundary with public highway and pedestrian and car traffic to schools further down the road.
* Insurer initially offered £7,500 for re-decoration. No recognition of subsidence issue for first year of the Claim
* monitoring has stopped and started and been done at varying intervals over 4 years eg 2 monthly, 6 monthly, 8 monthly.
* Insurer’s arborist 2023 said if tree couldn’t be removed then underpinning was the only solution. Also RBT ‘unreliable’ and ‘unsafe’
* after Council refused removal of tree, RBT proposed by Insurer. When challenged, Insurer’s arborist changed opinion from underpinning to RBT although nothing had changed from his opinion 9 months earlier when tree removal application was ongoing.
* Insurer’s arborist is claiming credentials from a Arboricultual Organisation that had not been renewed as membership had not paid for.
* independent structural engineer’s Report advised underpinning
* independent arborist advised against RBT due to: tree safety issues (anchor root damage and safety to public from tree damage), lack of acknowledgment of potential 2nd oak tree influence on subsidence, strong likelihood tree roots of 100-150 of age were under property when it was built.
Insurer refusing underpinning and only offering RBT.
Any advice woukd be appreciated.
Thank you