Sinkholes… Is your home covered?


You may have heard stories of Florida homes being suddenly swallowed up by large, catastrophic sinkholes. You may also know that Florida law requires insurance companies in the state to provide catastrophic ground cover collapse coverage as part of standard homeowner’s policies.

This ground cover collapse coverage usually covers damage such as dry wall cracking and foundation cracking as a result of settling from potential sinkhole activity.

“Catastrophic ground cover collapse is defined as geological activity that results in the following:

1) The abrupt collapse of the ground cover

2) A depression in the ground cover clearly visible to the naked eye

3) Structural damage to the building including the foundation

4) The insured structure being condemned and ordered to be vacated by the government agency authorized by law to issue such an order for that structure.” (italics mine)

Now, that certainly sounds like the sinkhole stories we see on TV. However, most sinkholes do not swallow entire buildings; they are much smaller and cause less than catastrophic damage, but damage nonetheless.

Many people become worried that they are not covered with sinkhole protection, so they scramble to try and get extra coverage to protect themselves.  The concern is not as big as the media and others would have you think.  Your dwelling policy coverage of catastrophic ground collapse is, in many cases, enough to protect you.

If you are concerned about Sinkhole coverage, You can schedule a due diligence inspection of your home. The cost of the inspection is shared by you and your insurance company. However, and this is important, the inspection must be documented prior to sinkhole damage. If you already have cracks in the walls, you are precluded from coverage.

If you are still confused or unsure whether your home is covered against sinkhole damage, please click here  to visit our website and make an appointment or call us at 888-200-7869 to set an appointment. We’d love to help.


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