top of page
dilapidation surveys london.jpg

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.

Crack Monitoring Programme From £1,695 + 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.

met surveyors tom norris.png

FREE PHONE CONSULTATION

Get expert advice from an experienced Property / Structural Surveyor

met surveyors ruth norris-4001.png

CALL RIGHT NOW?

Get information or advice on Surveys, Structural or Party Wall Issues

met surveyors jane goody.png

FREE SURVEY QUOTE

Use our inquiry form to get a free quote for Survey / Party Wall Services

bottom of page