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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.

Specific Defect Survey From £695 + VAT

Available across London and the Home Counties.

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.

Specific Defect Survey From £695 + VAT

Available across London and the Home Counties.

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.

Specific Defect Survey From £695 + VAT

Available across London and the Home Counties.

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