Arboricultural Mortgage & Subsidence Reports

Understanding Arboricultural Mortgage & Subsidence Reports

Arboricultural Mortgage and Subsidence Reports are specialist tree surveys specifically commissioned to assess the risk of trees causing direct or indirect damage to buildings, primarily through subsidence (soil shrinkage) or heave (soil expansion). These reports are often a crucial requirement from mortgage lenders or insurance companies, particularly when properties are located on shrinkable clay soils with trees within influencing distance, or when there are existing concerns about structural movement.

Our independent, expert assessment aims to:

• Identify and evaluate all trees within influencing proximity to the property.

• Assess the species, size, age, and condition of these trees.

• Consider the underlying soil type and geological conditions of the site.

• Evaluate the construction and foundation depth of the property in relation to the trees.

• Determine the level of current or potential risk posed by vegetation to the building's stability.

Canopy IQ's Approach to Tree Subsidence Assessment

At Canopy IQ, our approach to Arboricultural Mortgage and Subsidence Reports is built on precision and thoroughness. Our qualified arboriculturists conduct a comprehensive site inspection, meticulously noting:

• Tree Identification: Accurate identification of all tree species present, including their mature size and water demand.

• Tree Condition & Health: A detailed assessment of each tree's vigour, structural integrity, and any signs of disease or decay.

• Proximity & Influence: Careful measurements of tree proximity to the building, drains, and other structures.

• Site Context: Consideration of local topography, ground levels, and visual assessment of soil characteristics.

Where necessary, we can also advise on the need for further investigations, such as soil analysis or foundation surveys, to provide a complete picture of the risk.

Clear, Actionable Reports for Lenders & Insurers

The output of our assessment is a clear, concise, and professional report designed to meet the stringent requirements of mortgage lenders, insurers, and solicitors. Our easy-to-understand reports present our findings and conclusions regarding the subsidence or heave risk posed by trees, along with specific, actionable recommendations. These recommendations may include:

• Targeted Pruning: Advice on appropriate pruning regimes to manage tree size and water uptake.

• Tree Removal: Justified recommendations for tree removal where the risk is deemed significant and unavoidable.

• Monitoring: Suggestions for ongoing observation of tree and property behaviour.

• No Action Required: Confirmation that trees pose no significant risk to the property.

Benefits of Choosing Canopy IQ for Your Report:

• Smooth Transactions: Our reports help satisfy lender and insurer requirements, preventing delays in property purchases or refinancing.

• Peace of Mind: For both buyers and sellers, an independent expert opinion clarifies potential risks.

• Unbiased Expertise: We provide impartial, professional assessments rooted in scientific understanding.

• Proportionate Solutions: Our recommendations are pragmatic, focusing on effective risk mitigation without unnecessary tree removals.

• Meeting Duty of Care: Helps property owners demonstrate proactive risk management.

Ensure your property transaction proceeds without tree-related hitches. Contact Canopy IQ today to discuss your Arboricultural Mortgage or Subsidence Report needs across Kent, London, and the South East.