UK homeowners have been warned that a summer of scorching heatwaves could cause buildings to collapse, as more properties are hit by subsidence. Subsidence-related insurance claims totalled £153 million in the first half of 2025, according to the Association of British Insurers (ABI). Insurers supported nearly 9,000 households, with average payouts of £17,264.
Subsidence occurs when the ground beneath a building sinks, pulling the foundations down. This can happen when soil loses moisture and contracts, often due to prolonged dry spells or trees drawing water from the ground. An amber heat health warning has been issued across large parts of England, with temperatures forecast to reach 39°C.
Louise Clark, manager of general insurance policy at the ABI, said: “Climate change is significantly increasing the risk of subsidence in the UK, particularly in areas with clay-rich soils.” She advised homeowners to manage nearby trees and shrubs, and maintain gutters and plumbing to reduce risk. “If you suspect subsidence damage, contact your insurer as soon as possible,” she added.
Energy Secretary Ed Miliband recently warned that Britain’s way of life is “under threat” from climate change, following a Met Office report showing extremes of heat and rainfall are becoming the norm. He called the findings “a stark warning” to act on climate and nature.
