Newbie here looking for some advice please.... We have buildings & contents cover with Liverpool Victoria and over the last couple of months we've noticed some visible evidence of movement in our house, across the kitchen, lounge & utility room - the work tops have started to sink, the floor has some visible movement and cracking in ceilings etc. We initially called British Gas as we've got cover for drains etc - we thought this might have been the initial cause - and they came out to do a survey - advising us that we did have an issue with some of the drains at the back of the house. However we also rang LV as there were going to be issues relating to removal of some decking. Once LV got involved they sent out a surveyor from Davies loss adjusters who decided that yes, we had a problem with movement, that it wasn't subsidence related (phew!) and that investigation was needed to see what was causing it (as I understand it our policy covered for repair based on water loss etc). They came in and repaired the damaged drains, then attempted to carry out an infra-red survey of the kitchen floor which failed due to there being at least 3 layers of tiles to go through. They then attempted a gas test which was inconclusive (he was getting false/positive readings from furniture in our lounge!) and that was it. They've now decided that it's not a matter for them as its due to the recent extension settling or poor footings for the extension - which is nearly 20yrs old. I should add that we're also aware of the issues around concrete degradation in ex-mining areas etc - that's definitely not an issue where we live. Where do I stand on this. The drains under the kitchen area were damaged and as such the loss of water etc must have had an effect on the ground under that part of my house. The tests they did were completely inconclusive. I should add that this decision has come from the loss adjuster Davies rather than LV themselves - but while LV investigate I'd appreciate some advice. They've not conclusively proved it's NOT a leak from somewhere. The movement in the house is not exclusively in the extension area. The surveyor sent out by Davies said during his visit that the only real way to find out the problem would be to dig down into the problem area - I get the impression that they've done everything to avoid doing this due to the associated costs - ie damage to house fixtures & fittings if this is done. Hope someone has some advice on this?