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Sainsbury's Home Insurance Is Warning Gardeners And Homeowners
from: To Be Wary Of A Link Between Tree-Planting And SubsidenceIt's great news that so many of us are good-intentioned when it
comes to planting trees, but it's important that we don't put
our properties at unnecessary risk of subsidence, said Neil
Laird, Sainsbury's Home Insurance manager. Our advice is to
do your homework before putting spade to soil.
The British supermarket giant released information on its
corporate site, indicating that close to 9.7 million plan to
plant trees in their garden this year, and may be completely
unaware of the risk of subsidence. The key, according to the
report, is not only pick an appropriate kind of tree for the
size of the garden, but also to ensure that trees are planted an
adequate distance away from any building or property. The report
indicated further, as an example, that a maple tree should be
planted at least 9 to 12 metres away from one’s home or
property.
The corporate site provided analysis of industry data,
suggesting that insurance providers in the UK may have paid out
an average of £710,000 a day for subsidence claims over the
past five years. Sainsbury’s Home Insurance alone has
attributed 12% of the money they’ve paid out to subsidence and
other vegetation. Evidence suggests that trees such as leylandii
and willows are more likely to cause subsidence.
Planting trees is not only a commendable act in today's
environmental climate; a well thought out garden can also add
significant value to your property, adds Laird. However,
people intending to plant a tree in their garden this year
should be very careful about which type of tree they plant and
how far away from the property they plant it. For example, our
research shows that over 1.1 million people intend to plant a
willow tree, which is a cause for concern given that this type
of tree shouldn't really be planted any closer than 18 metres
away from your property to avoid risk of subsidence damage.
Information provided by Sainsbury's Home Insurance indicates
that Holly is ideal for a smaller garden, as are Laurel or
Magnolia trees. These reportedly can be planted to within 5m of
property, and are known as low-water demand trees. Other advice
from the report includes checking the home survey for
information on previous mining activity when homeowners purchase
a property, performing a survey on the drainage of a
newly-acquired property, performing regular checks for blocked
or leaking drains, blocked gutters, and cracked pipes, and
ensuring that trees and shrubs are routinely pruned. The home
insurance company further stresses that if property owners
suspect that their property is suffering from subsidence, their
insurer should be notified as soon as possible, as the sooner
the problem is diagnosed, the sooner and easier it will be to
repair.
According to the home insurance company's research, the most
popular tree to be planted in the UK this year is the apple or
pear tree, (with more than one in 10 of residents intending to
plant at least one), followed closely by the cherry tree (7%)
and the plum tree (4%).
About the author: Natalya Anderson
Natalya is an author of several articles pertaining to Home Insurance. She is known for her expertise on the subject and on other Business and Finance
related articles.
NatWest House Insurance
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