Members of the Association of British Insurers received 13,000 new domestic subsidence claims from July to September this year, up by 62.5% on the 8,000 claims received in Q3 last year. Average subsidence claims totalled £20,000 for the second quarter in a row.

Figures from the ABI’s latest property insurance tracker show that the total number of home and business claims fell by 4% to 142,000 over the quarter, although the amount paid out by insurers increased by 1% to £1.5bn.

Chris Bose, director of general insurance and international policy at the ABI, said: “This year’s weather has painted a clear picture of what’s to come, with heatwaves and storms hitting communities right across the UK. Insurers stand ready to help people repair and rebuild, but more action is needed to prevent damage in the first place.

“These record costs show the severe damage that extreme weather is now causing for communities and the need to boost resilience. It’s vital that new homes are built to withstand increasingly frequent extreme weather and that we work together to improve the long-term resilience of our homes and businesses.”

The ABI’s tracker shows that the average annual home insurance premium for Q3 was £329, which is the same as in Q3 2025, but up by £4 on Q2 this year.