Possible subsidence- insurance?


Hi
I’ve seen a crack on the exterior and interior of side of my house. I called the insurance company who told us to take out a claim. However since taking out the claim I’ve read horror stories about subsidence and insurance I.e not being able to insure your property with other insurers, not being able to sell the property etc, and subsidence claims sitting on insurance files for decades so have put the claim on hold.
I need some advice:
1) should I withdraw the claim (but it will still sit on insurance records) and I get the work done privately or
2) claim subsidence through insurance.

We have conifer trees nearby which I think may be causing the issue due to recent high temperature… any help greatly appreciated!



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