We are awaiting a full mining report and have had a structural survey, but know we risk insurance being far higher
Homeowners who have claimed for subsidence on their insurance are stuck paying expensive premiums to existing providers because no other insurers will offer them cover.
Mary Pope, aged 72, who lives in Cardiff, is among many people who have contacted the Guardian in despair that they cannot move to a different insurer, even though the subsidence claim they made was many years ago.
Mrs Pope pays £1,100 for home insurance with Halifax for her four-bedroomed Victorian terraced house, which she has lived in since 1977.
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