Have you had a look here? http://www.financial-ombudsman.org.uk/publications/ombudsman-news/59/59-insurance.htm

The walls of a bathroom extension to an old and otherwise solid terraced house were slightly out of true and there was a crack along the base of the wall outside. I can imagine what a builder would have charged an insurance company for sorting this out (a cost that could either have been disputed or passed on to me with increased premiums). Instead of involving anyone else, I just mixed some concrete and tipped it into the crack.

I'm researching subsidence cases that are long term. It is not unheard of for these cases to go on for 15 or more years! I have wondered what the longest unresolved subsidence claim actually is in Britain? However, initially, I would be interested to know of policyholders who have experienced their domestic subsidence problems that have gone on with their insurers for longer than 3 years.

I would also be interested to know where, if anyone knows, I might find statistics relating to subsidence claims and how they have been handled/resolved/unresolved by insurers.