Don’t get sunk. Consider sinkhole coverage.
Sinkhole insurance to protect you and your family.
Sinkholes are more common than you might think. And surprisingly, damage from sinkholes is not typically covered under an existing homeowners policy. Our insurance professionals can help you determine if sinkhole insurance is right for you.
Is your home at risk of sinkhole damage?
Around a fifth of the land in the United States is at risk of sinkholes. This is most commonly because limestone or similar rock beneath the surface dissolves. When this happens, the results can range from minor cosmetic damage in road surfaces to the sinkhole swallowing up a car or even causing part of a home to collapse.
Coverage that fills in the gaps of your homeowners policy.
You should never assume your existing homeowners policy will cover sinkhole damage. Typically home insurance policies in Florida only cover “catastrophic ground collapse,” but this usually has heavy restrictions and only covers the most dramatic sinkholes. If your policy does mention covering sinkholes, check if it is restricted to natural phenomena. If so, sinkholes relating to mining won’t be covered, for example.
Don’t get caught off-guard without sinkhole coverage.
Sinkhole insurance is one of those insurance policies where there’s a low chance you’ll need to make a claim, but if you do it could be for an extremely large amount. That’s why having this coverage as a backup is essential so that if you home is ever damaged or destroyed by a sinkhole, you can recover.
To find out more about sinkhole insurance and whether it’s right for you, contact us today.
The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
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