A homeowner submitted a claim under their home insurance policy after cracks developed internally and externally at the point where a conservatory adjoined the main house.Despite accepting that subsidence had occurred, the insurer declined the claim. It asserted that the conservatory foundations were defective because they were not sufficiently deep for the prevailing ground conditions and adjacent planting. On this basis, the insurer relied on a policy exclusion for faulty design or workmanship...
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