Gritineye
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Well the biggest problem here is when did this so called subsidence happen if it was this year it could just as easily be explained by the long dry hot summer we had.
Now there is a bigger problem you take a large tree out near a house that will cause subsidence in itself!!
Really if it was that big and causing subsidence it should have been trimmed initially reducing the size of the canopy. This would reduce any further root exploration. This also has the benefit of slowly changing the amount of water in the said clay.
That in itself may be enough but to get rib of the problem altogether a further pruning back the following year and year three total removal.
The thing is it needs to be slowly done because a large tree takes a lot of water. Suddenly removing a tree in clay often causes more subsidence than already has been done.
Yes I'd already explained all that to him when this started, also the insurance companys tree root report was a joke! It's all a scam by them to avoid paying out and push the costs on to the neighbour, they hope she'll sell and the problem will move on to someone else.
She doesn't realise that as there is now a history of subsidence, and no underpinning has been done, it's very unlikely she will be able to sell for anything like what it was worth before. Prospective buyers won't be able to get insurance and she'll never get any other insurer to cover her property, she'll be stuck with the one she's with now, who are obliged to provide cover now, but at any cost they want.
If underpinning is done then the chance of selling is much improved, but still most likely not quick easy.