Multiple reports say long spells of hot weather are contributing to a rise in subsidence insurance claims and higher average payout levels. While subsidence is often linked to winter conditions, the articles state that heatwaves can also damage homes by affecting the ground beneath properties. Insurers and claim data discussed in the coverage indicate that the average subsidence claim is now around £20,000. The reports also suggest the risk increases during prolonged hot temperatures, which can lead to ground movement that damages foundations and related structures. Across the outlets, the central point is that weather-related damage is not limited to colder months and that insurers are seeing more claims as heatwaves intensify or persist. The coverage frames the figures as evidence of a growing pattern in claim costs associated with weather conditions, particularly extended periods of high temperatures. The articles do not describe specific policy changes or named insurers, focusing instead on the relationship between heatwaves, subsidence risk, and claim amounts.