Florida is known for many things, including having more sinkholes than any other state in the U.S. To protect your Jacksonville, FL home, Skyline Insurance LLC offers an optional coverage for your home insurance policy to guard against this specific risk.<\/p>\n
Sinkholes are common in only seven U.S. states; therefore, standard home insurance policies do not provide coverage against this hazard. Each of these seven states – Florida, Kentucky, Alabama, Missouri, Pennsylvania, Tennessee, and Texas – have laws regarding the availability of sinkhole protection. Florida mandates that its insurance agencies offer optional coverage for catastrophic ground cover collapse. Every Florida policyholder can add this coverage as an endorsement or an add-on to their homeowners’ policy. In Florida, sinkhole insurance is not automatically offered and needs to be specifically requested.<\/p>\n
Sinkholes are defined legally, geologically, and by the insurance industry. Florida Title XXXVII, Chapter 627, 627.706 (h) incorporates the geological definition into its legal definition of a sinkhole. According to Florida law, a sinkhole refers to any landform that develops when the bedrock or soil underneath the surface subsides due to dissolution by groundwater.<\/p>\n
In the insurance industry, catastrophic ground cover collapse (sinkholes) is defined as a geological activity that meets four criteria:<\/p>\n
Therefore, if your home sustains damage from a sinkhole but is still habitable according to code enforcement, the damage does not qualify for coverage under a catastrophic ground cover collapse endorsement. However, sinkhole insurance would cover the damage.<\/p>\n
Florida homeowners can choose to include a catastrophic ground cover collapse endorsement, a sinkhole insurance endorsement, or both in their homeowners’ insurance. Sinkhole insurance covers all damage caused to a home or unattached structures, such as a garage or workshop, and personal property. Catastrophic ground cover collapse coverage requires that you meet the four criteria discussed above.<\/p>\n
Decide on the necessary coverage for your unique situation. Contact Skyline Insurance LLC to learn how you can best protect your Jacksonville, FL, home.<\/p>\n","protected":false},"excerpt":{"rendered":"
Florida is known for many things, including having more sinkholes than any other state in the U.S. To protect your Jacksonville, FL home, Skyline Insurance LLC offers an optional coverage for your home insurance policy to guard against this specific risk. Homeowners’ Policies Do Not Automatically Include Sinkhole Protection Sinkholes are common in only seven […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[6,7],"class_list":["post-64","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-jacksonville-fl","tag-skyline-insurance-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t