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  1. Hi there, I've been in a quandary about what to do for some time. My detached single brick skin garage, currently housing what most garages do; crap, is showing signs of movement on the back corner, furthest from the actual house itself. In distance terms, the back corner of the garage is probably some 20ft away from the closest point of the house. Currently, and we've been here 4 years, the house is fine and is showing no signs of anything bad. The garage has always had cracks in it. I'm a panicky type of person and am becoming worried about what to do. I have a structural engineer in the family who has very vaguely said "The garage has been damaged due to movement, probably be cheaper to knock it down and rebuilt", whilst my Father-in-law has urged me to contact the insurance with the end game of getting a nice new garage as they'll probably demolish and rebuild also. The problem I have is that everyone - including structural engineer (although not an official report of any kind) - have told me not to worry about the house, but I am. Anyway, I digress, the problem being I think (hoping to have this confirmed) if I approach the insurance company who confirm that the garage has/is subsiding and needs remedial work this will flag up on the property forever more, meaning my insurers (although obliged to continue insuring me) have carte blanche to scale my future premiums infinitely and make future re-mortgaging and selling difficult, ultimately resulting in a hefty reduction on the asking price of the house when it comes to it just to get rid... all because of a garage. This is where another friend of mine, known for being pragmatic, has suggested fix it myself. Avoid the insurance provided it remains on just the garage and the house remains ostensibly fine. I have a good friend who's a bricklayer and builder who has had a look and suggested we dig out the foundation of the garage, check it all round and check for cracks, tree roots, poor drainage etc, shore up if necessary and rebuild the portion of the garage effected and blend in, approximately 100 bricks he tells me. Whilst it's not in my nature to bodge and patch things up, I do feel that at this stage I should give some consideration to this as it is "only" a garage, not attached to the house and, to a layman (and indeed a couple of "experts") the house appears completely unaffected. The ideal solution as far as I can see, we expose something obvious during foundation excavation, repair and no-one's any the wiser and no "black mark" on my houses record. Should the situation spiral and the house becomes affected then it's likely I'll have no choice to involve the insurance, but as the situation stands now, I'm tempted to keep them out of it. If anyone can advice or attempt to allay the fear, panic and sleepless nights I'm currently experiencing that would go a long way. For the psych's out there, I had a very poor credit history when I was younger and spent a long time being sub-prime, so whilst this isn't quite the same thing, I enjoy being "mainstream" without a stigma, and I fear a marker on the property's record for subsidence, even it is just the poxy garage, will remove this privilege and make me sub-prime once again for many years to come. That's why I'm apprehensive. Sorry for the long post!
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