Sinkholes are very common in Florida thanks to our unique geology. While some occur naturally, many are happening in response to accelerated development and use of groundwater. While most sinkholes occur on the Gulf Coast and in central Florida, where two thirds of sinkhole claims originate, there are clusters that happen in Palm Beach County, Broward County, and Miami Dade. In fact the entire state sits on carbonate rock, making it possible that a sinkhole could form anywhere. Some signs you may want to look for are:
- Cracks in foundations, floors, pavement, and walls.
- Doors and windows that do not close properly or are difficult to open due to the shifting of their frames.
- Cracks in pavement such as driveways and patios, or cracks in the ground itself.
- Tilting of trees, fences, or even swimming pools.
- Rainfall pooling where water has not previously gathered before.
- Circular areas of dying vegetation.
Florida it insurance companies must by Florida law provide insurance for “catastrophic ground cover collapse.” However, the insurer may restrict loss coverage to the principal building, such as the home. In order to trigger coverage the following conditions must be present:
- Sudden collapse of the sinkhole.
- A clearly visible depression in the ground.
- Structural damage to the building, which includes the foundation.
- The building becoming condemned and an order to vacate being issued.
Talking with an experienced agent at Pallant Insurance can help you understand just what the policy will cover. In some cases, only the principal building is covered. So damage to outbuildings, swimming pools, and the value of the land may not be covered, nor is damage or loss of personal possessions, or expenses incurred in finding a place to live while the damage is repaired.
In the event that do have a […]