Florida Catastrophic Ground Cover Collapse | Sinkhole Coverage

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What is the difference between Sinkhole Coverage and Catastrophic Ground Collapse Coverage?

  • Florida law defines a sinkhole as “a land form created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater. A sinkhole may form by collapse into subterranean voids created by dissolution (the dissolving) of limestone or dolostone or by the subsidence as these strata are dissolved.”
  • “Catastrophic ground cover collapse” is defined as “geological activity that results in all of 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; and
    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.”
  • This means that if your home is damaged by sinkhole activity, but does not meet all four criteria for catastrophic ground cover collapse – for instance, you may have foundation cracks, but the home is still livable – your insurance may not pay for the damage if you do not have sinkhole coverage.

Source: www.myfloridacfo.com