Buying house and terrified of subsidence

[Justtheonequestion]

Just that really, in the final house buying stages as a single mum. There have been 3 large fir trees in the neighbouring houses (on either side) which were chopped down last year because they were so tall (higher than the house) that the neighbours were 'worried about wind'.
I'm concerned about what this means for the foundations-they were old trees.
There are some cracks across the bathroom ceiling where the wall joins the ceiling. Also one bedroom has a crack from ceiling to skirting board, where when I tap the plaster sounds hollow.
Now the valuing survey is being done next week.
I was going to pay for a structural survey as well-will this pick up anything subsidence wise?
If subsidence is diagnosed after I buy if it hasn't been noticed or happened yet, then will the insurance cover it?
I don't know why it is this, and not the roof etc which bothers me, but I'm terrified of buying a house which then becomes uninhabitable and will be unable to house my kids or afford anything else.
Could someone please advise? I've got little in terms of support and security is important to me (as it is to everyone).
Thanks in advance

it is indeed important. speak to the surveyor and clarify what is covered. consult insurers too if needed. you need to get quotes as you will have to insure from exchange if it goes that far.

I will do. I just am terrified of the scenario that after exchange it is apparent and the insurer won't cover because the survey said there wasn't anything.
Not sure if I should just stay renting!

Friend had this. Full survey that didn't pick up subsidence monitoring things in the wall. They were very lucky in that they used the same surveyor that the vendors had. Property eventually underpinned and all well.

Should have added, subsidence is uncommon but if you have noticed cracks then go for a full structural survey and point out that you want particular attention paid to that area.

Valuation survey won't check anything like that; it's not for your benefit, it's purely to reassure the lender that the house is worth more than the mortgage. Get a structural survey and specify that you want a report on likely subsidence risk.

surveyors should carry insurance if they miss something, that is why you have a survey.

Please have your own full building survey done and put your mind at rest.

I will, thanks. Is it something i go for with the broker/mortgage provider or do i need to arrange things myself?

The ceiling/wall ones are probably just plaster shrinking and not much to worry about. But depends on the shape and thickness I think? This seems a good guide:

skilledbuild.co.uk/understand-cracks-in-walls/?___store=default

www.diydoctor.org.uk/projects/settlement.htm

Thanks anchovy

More likely to get heave than subsidence... ie the house will be pushed up as the ground will swell because the trees are no longer taking the water.
How far away were the trees?

About 25 ft one side 20 ft the other