How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
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Does homeowners insurance in Florida include coverage for sinkhole damage?
Sunday, May 5, 2019
Most homeowners insurance policies include coverage for “catastrophic” damage, which basically means that if a sinkhole swallows your house, it's uninhabitable, and is condemned by the local government…then you are covered. Anything less and you will wish you bought an additional sinkhole rider.
Here’s how Citizens Insurance, the second largest insuror in Florida, describes their default sinkhole coverage.
If you want the additional sinkhole coverage for lesser damage, you cannot do it in the middle of a policy term, so be sure to tell you agent when you renew. If your home is in one of the more sinkhole-prone counties in Florida, you will also have to get a sinkhole inspection and report before insurance can be bound. Those counties are Alachua, Citrus, Hamilton, Hernando, Hillsborough, Lake, Manatee, Marion, Pasco, Pinellas, Polk, Seminole, Sumter, Suwannee, Wakulla, and Washington.
Photo - Southwest Florida Water Management District
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