In recent years, climate change and record-breaking hot summers have created new problems for homeowners in England. Henry Biggs, 49, from Stroud in Gloucestershire, has recently faced a serious issue with the wall of his house. He says, “We have a wall that has developed a large diagonal crack in it, through which we can see into the other room; you can easily stick your fingers in it, and pieces of plaster are also falling off.”
New Complaints and a Lengthy Process
This problem began for Henry and his wife in June 2025, a few months after purchasing their home. They immediately filed a subsidence claim with their insurer, Admiral, which was accepted in the spring. However, the repair process seems to be moving slowly. Monitoring devices have only recently been installed, and nearly a year after their complaint was filed, there is still no news of repairs.
But it is not just Henry Biggs facing this problem. In recent years, the number of subsidence claims has dramatically increased, and insurers are examining this situation as a serious crisis. Homeowners are increasingly grappling with similar issues due to climate change and extremely hot summers.
Insurers' Concerns and an Uncertain Future
This phenomenon is concerning not only for homeowners but also puts insurers under significant pressure. With the rising number of claims, they must respond quickly to this issue and find solutions to protect themselves and their clients. In the meantime, there is an uncertain future for homeowners and insurers that could have serious implications for the housing and insurance markets.
