This is my first house so totally green and in need of advice..
Our neighbour has a tree which is taller than our house and close to our boundary, it's about 3m from the corner of our house next to our front bay window.
After last summer cracks appeared running diagonally down from the bottom of our front bay window. We have been trying to get the neighbour to let us cut it down but no joy.
In the last few weeks the cracks must have grown as some plaster has fallen out. Other cracks have appeared in the room in and around the ceiling which could all fit with the front of the house moving down.
The pavement in front of the house has a ripple through it where a tree root is running at an equal distance from the tree as the front wall of my house!
My question is, if I deal with this through the buildings insurance is it at my detriment? Do I increase my premiums/is the house 'marked' as having had problems with subsidence/does it affect my resale (not planning on moving for next 5-10 yrs anyway). What is the remedy and does it count as underpinning (which would affect resale)?