Most people picture roots growing into the footings and pushing the brickwork apart. Roots do break things, mostly drains, paths and garden walls, but a house is usually damaged by the ground moving under it. Clay swells over winter and shrinks through a dry summer, and a large tree takes that drying further and deeper. As the soil pulls back, the foundation settles with it and cracks start to show. A good deal of East Sussex sits on sand or chalk instead, where the same tree at the same distance is usually no threat at all, so the first step is working out what your house is built on.
What Goes Wrong Under the House
Clay holds water. Over winter it takes water up and swells, and through a dry summer it loses water and shrinks. All of that happens with or without a tree in the garden. What a large tree does is take the drying further and deeper, because its roots are pulling moisture out of the same ground the house is sitting on.
The NHBC, whose standards most new housing in this country is built to, calls a soil shrinkable when it has more than 35 per cent fine particles and a Modified Plasticity Index of 10 per cent or above. Volume change potential is rated high at 40 per cent or more, medium between 20 and 40, and low between 10 and 20. Those figures come from testing a soil sample, not from looking at the garden and forming an opinion.
When that shrinkage is uneven, one part of the building drops further than the rest. That is subsidence, and it typically shows as diagonal cracking that is wider at one end than the other, often starting at a door or window opening.
It is not a rare problem. The Association of British Insurers reported £72 million paid out on domestic subsidence claims in the second quarter of 2026 alone, with the average claim hitting a record £20,000, which it put down to the hot weather.
