
Subsidence or Settlement: What's the Difference?
Cracks Can Look Similar, But the Cause of the Movement May Be Very Different
When cracks appear in a property, homeowners often assume that the building is suffering from subsidence.
​
In reality, cracking can result from several different types of movement.
​
Two of the terms most commonly confused are subsidence and settlement.
​
Both can cause cracking, but they describe different processes.
​
Understanding the distinction is important because the likely cause, level of concern and appropriate next step can all be different.
​
If you are concerned about movement in your property, Met Surveyors can advise whether you need a wider Structural Survey or, where there is one clearly defined area of concern, a Specific Issue Survey from £695 + VAT.
What Is Subsidence?
Subsidence generally refers to downward movement of the ground supporting the foundations of a building.
​
If part of the ground beneath the property moves or shrinks, the foundation above it may also move.
​
This can lead to differential movement within the structure and cracking may develop.
​
Possible causes can include:
-
Shrinkable clay soils
-
Prolonged hot and dry weather
-
Mature trees and vegetation
-
Leaking underground drains
-
Changes in ground conditions
-
Poorly compacted ground
-
Previous excavation or disturbance
-
Inadequate foundations
​
Subsidence usually affects part of the building rather than causing the whole property to move uniformly.
​
That uneven movement is often what creates visible cracking.
​
​
What Is Settlement?
Settlement usually refers to movement that occurs as a building or part of a building adjusts following construction.
​
New foundations may compress the ground beneath them slightly.
​
Materials may dry and shrink.
​
Different parts of a building may settle at slightly different rates.
​
A small amount of settlement can therefore be normal, particularly in:
-
New buildings
-
Recently constructed extensions
-
Loft conversions
-
Properties that have undergone major alterations
-
Areas where new foundations have been introduced
​
Settlement does not automatically mean there is a defect.
​
The important question is whether the movement is minor and stable or whether it is continuing.
​
​
What Is the Main Difference?
The simplest distinction is:
​
Settlement usually relates to the building adjusting after construction.
​
Subsidence usually relates to movement in the ground supporting the building.
​
However, real buildings do not always fit neatly into one category.
​
For example, an extension could settle because its foundations are new, while a different part of the property could move because of changes in the soil.
​
This is why the pattern and history of the movement need to be considered.
​
​
What Does Settlement Cracking Look Like?
Settlement cracking can vary considerably.
​
Possible signs include:
-
Fine cracks around new extensions
-
Cracking at the junction between old and new construction
-
Minor cracks around openings
-
Small cracks in plaster
-
Localised cracking following building works
-
Hairline cracks appearing during the first years after construction
​
Minor settlement cracks are often relatively stable.
​
If the cracking stops changing, it may simply require repair and redecoration.
​
However, if cracks continue to widen or repeatedly reopen, further investigation may be advisable.
​
​
What Does Subsidence Cracking Look Like?
Subsidence can also produce many different crack patterns.
​
Possible signs can include:
-
Diagonal cracks around doors and windows
-
Cracks wider at one end
-
Cracking visible internally and externally
-
Cracks becoming progressively wider
-
Previous repairs reopening
-
Distortion around windows or doors
-
Doors and windows beginning to stick
-
Movement affecting several connected areas
-
Cracks concentrated in one part of the building
​
No single crack shape proves that subsidence is occurring.
​
The surrounding evidence is just as important.
​
​
Why Is Differential Movement Important?
The most significant cracking often occurs where one part of a building moves differently from another.
​
This is known as differential movement.
​
It can happen for many reasons.
​
For example:
-
One foundation may be deeper than another
-
An extension may have been built many years after the house
-
One section may be affected by tree related ground movement
-
Different soils may exist beneath different parts of the property
-
One part may have been altered structurally
​
Cracks can develop where the movement between these sections becomes concentrated.
​
​
Settlement Around Extensions
Cracks around extensions are particularly common.
​
An extension may have:
-
Different foundations
-
Different materials
-
Different construction methods
-
Different loading
-
Different ground conditions
​
It may therefore move differently from the original property.
​
Some initial settlement may occur without indicating a serious structural problem.
​
However, cracking should be investigated where it is:
-
Wide
-
Progressive
-
Visible inside and outside
-
Associated with distortion
-
Reopening after repair
​
​
Can Settlement Happen Years Later?
Yes, although movement occurring many years after construction may require closer investigation.
​
Normal initial settlement usually happens relatively early in the life of a new structure.
​
If significant new movement starts many years later, possible causes may include:
-
Changes in ground conditions
-
Drainage problems
-
Tree growth
-
Structural alterations
-
Deterioration
-
Localised foundation problems
-
Subsidence
​
The age of the cracking can therefore provide useful evidence.
​
​
Can Subsidence Stop on Its Own?
Sometimes movement may stabilise.
​
For example, ground conditions may change seasonally.
​
Historic movement may have stopped many years ago.
​
However, you cannot assume that a crack has stabilised simply because it is not visibly changing from day to day.
​
In some cases monitoring may be necessary to establish whether movement is continuing.
​
​
Is Settlement Less Serious Than Subsidence?
Not always.
​
Minor settlement is often less concerning than active subsidence, but severe settlement can still cause significant structural problems.
​
Likewise, some historic subsidence may have stabilised and no longer be active.
​
The seriousness depends on:
-
Extent of movement
-
Cause
-
Whether movement is continuing
-
Parts of the building affected
-
Foundation conditions
-
Structural consequences
​
The terminology alone does not determine the level of risk.
​
​
What About Heave?
Heave is another form of ground movement.
​
Instead of moving downwards, the ground moves upwards.
​
This can happen where soil gains moisture and expands.
​
In clay soils, for example, removing a large mature tree can sometimes allow the ground to regain moisture and expand.
​
Heave is different from both settlement and subsidence, but it can also lead to cracking and structural movement.
​
​
What About Thermal Movement?
Not all movement originates in the foundations.
​
Building materials expand and contract as temperatures change.
​
This can cause cracking, particularly where:
-
Long walls lack movement joints
-
Different materials meet
-
Extensions join older buildings
-
External temperatures vary significantly
​
Thermal movement is another reason why cracks should not automatically be labelled as subsidence.
​
​
Can Poor Construction Cause Similar Cracks?
Yes.
​
Cracking can result from:
-
Inadequate lintels
-
Poor masonry bonding
-
Defective structural alterations
-
Inadequate foundations
-
Lack of movement joints
-
Poor workmanship
​
These defects may resemble movement associated with settlement or subsidence.
​
A proper inspection therefore considers the construction as well as the crack itself.
​
​
How Can You Tell Whether Movement Is Active?
Active movement may be suggested by:
-
Cracks becoming wider
-
Cracks extending further
-
New cracks appearing
-
Previously repaired cracks reopening
-
Increasing distortion
-
Doors or windows becoming progressively harder to operate
​
Photographs can help establish whether visible changes are occurring.
​
In some cases, formal crack monitoring may be recommended.
​
​
Should You Measure the Cracks?
Recording the width of a crack can be useful, but measurements should be treated carefully.
​
Movement can be affected by:
-
Temperature
-
Seasonal moisture changes
-
Decoration
-
Plaster movement
-
Different measuring points
​
A single measurement tells you little on its own.
​
What matters more is whether a consistent pattern of change develops over time.
​
​
Does the Age of the Property Matter?
Yes.
​
Older properties may contain historic cracks that have been present for decades.
​
Victorian and Edwardian buildings may have experienced minor movement over a long period.
​
A crack that has remained unchanged for many years may be less concerning than one that has recently appeared and is widening.
​
Similarly, new buildings may experience some initial settlement.
​
The age and history of the building should always form part of the assessment.
​
​
When Should You Be Concerned?
Professional advice should be considered where:
-
Cracks are widening
-
Several cracks have appeared
-
Movement is visible internally and externally
-
Doors or windows are sticking
-
Floors appear distorted
-
Repairs repeatedly reopen
-
Cracking affects an extension
-
Several areas of the property are affected
-
Movement appears to be continuing
-
You are concerned about possible subsidence
​
​
Which Survey Is Appropriate?
The correct survey depends on how extensive the concern is.
​
​
Structural Survey
A wider Structural Survey may be appropriate where:
-
Cracking is widespread
-
Several elevations are affected
-
Significant distortion is visible
-
There are multiple possible causes
-
Subsidence is suspected
-
The overall structure requires assessment
​
A broader inspection allows the property and pattern of movement to be considered together.
​
​
Specific Issue Survey
Where there is one clearly defined area of concern, a Specific Issue Survey may be more appropriate.
​
Examples include:
-
One crack above a window
-
Cracking to one wall
-
Movement around a bay
-
Cracking between an extension and the house
-
A localised structural defect
​
Our Specific Issue Survey concentrates on that particular concern and includes a written report with recommendations.
What Further Investigation Might Be Needed?
Sometimes it is not possible to determine the exact cause of movement from one visual inspection.
​
Further investigation may include:
-
Crack monitoring
-
CCTV drainage inspection
-
Trial holes
-
Foundation investigation
-
Ground investigation
-
Arboricultural assessment
-
Further structural engineering input
​
The investigation should be proportionate to the evidence.
​
Not every crack requires extensive testing.
​
​
Buying a Property With Signs of Movement?
If a Building Survey identifies cracking, settlement or possible subsidence, further investigation may be recommended before exchange of contracts.
​
This can help establish:
-
The likely cause
-
Whether movement appears active
-
Whether the issue is localised or widespread
-
Whether repairs may be required
-
Whether further investigation is needed
​
Understanding the nature of the movement before purchase can help you make a more informed decision.
​
​
Not Sure Whether It Is Settlement or Subsidence?
You do not need to diagnose the problem yourself.
​
Send Met Surveyors:
-
The property address
-
Photographs of the cracking
-
A brief description of what you have noticed
-
When you first became aware of the problem
-
Details of any recent building work
-
Any previous survey information available
​
We can advise whether the circumstances are best suited to a wider Structural Survey or a focused Specific Issue Survey.




