What you need to know about sinkholes before making a claim

Florida tops the list of states with the most sinkholes, and as a resident of the Sunshine State, you may know that your ability to purchase sinkhole insurance is guaranteed. You may feel perfectly safe in your home, but the fact is that sinkholes are unpredictable.

If your property were to suffer damage from a sinkhole, you would file a claim with your insurance company, but what if the claim is denied? The first step is to understand your risks and what to expect with the claims process.

The anatomy of a sinkhole

Sinkholes are described as catastrophic phenomena. They can be caused as the natural result of earthquakes, excess ground water or erosions. Sinkholes can also be triggered by man-made forces, such as mining, drilling, construction or even heavy traffic.

Signs of possible development

If you maintain your property well, you will probably not notice any red flags. However, signs that a sinkhole might be about to make an appearance include cracks that develop around your doors or windows, deep cracks in sidewalks or driveways, sediments in your drinking water or depressions that form in your yard.

Sinkhole testing

If you think a sinkhole might be developing on your property, your insurance company will send someone out to investigate. The report that comes back might deny that there is any sinkhole activity going on. However, when the depression deepens and the driveway cracks widen, your home may be in jeopardy, and you can call a geotechnical engineer to take a look. If the report provided by the expert confirms that there is a sinkhole on your property, you will want to file a claim with the insurance company, but it is wise to have help.

Supporting your claim

The process for filing a sinkhole claim can be complex. You should make sure that the damage is actually covered under your policy, and you want to be prepared for the possibility of a fight from the insurance company whose investigator denied any sinkhole activity in the first place. If you have concerns, this may be a good time to reach out for legal assistance.


To Our Valuable Clients:

The federal government has recently enacted legislation to assist citizens and businesses facing uncertain financial challenges due to COVID-19. We are here to help answer questions and guide you through the details of the various processes to procure financial assistance from our government. The acts are very new and more will probably be coming. But they currently provide for dollar for dollar tax credits for payroll for COVID19 related payroll, cash advances and loans that have tremendously favorable terms and in some cases, total forgiveness of the debt.

Please stay as safe as possible during this terrible crisis and if we can help you with questions about the new federal assistance laws, please contact us.

We Can Tailor A Solution To Meet Your Needs.

  • Fields marked with an * are required
  • Disclaimer | Privacy Policy
  • This field is for validation purposes and should be left unchanged.

  • Fields marked with an * are required
  • Disclaimer | Privacy Policy
  • This field is for validation purposes and should be left unchanged.