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How Much Does Subsidence Reduce Property Value?

Historic, repaired or active: it matters.

How Much Does Subsidence Reduce Property Value? Property Survey and Construction

Updated October 2026 · Fraser Bond

Surveys · Subsidence

Subsidence and value

London clay& trees
Historicvs active
Certificatesof adequacy
Insurancecontinuity
In short: Subsidence is common in London because of shrinkable clay soils and nearby trees. Its effect on value depends on whether movement is historic and stabilised, repaired with a certificate of structural adequacy, or still active. Homes with active or unresolved subsidence can sell at a significant discount and may be hard to mortgage; well-documented historic cases often have a much smaller impact, especially if the current insurer will continue cover. Sellers must disclose known subsidence. Fraser Bond can advise on pricing and presenting the paperwork.

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Frequently asked questions

Can you sell a house with subsidence?

Yes, with disclosure and paperwork.

Does subsidence affect insurance?

Yes; keeping the same insurer often helps.

Selling a home with history?

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