09/19/2026
Two kinds of sinkhole coverage, and buyers almost always confuse them.
Catastrophic ground collapse: required by Florida law, already in your policy. It applies to the rare qualifying event — abrupt collapse, visible depression, structural damage, condemnation.
Optional sinkhole coverage: an add-on you pay extra for. Broader. It can apply to qualifying ground movement, foundation damage, or settlement even when the home hasn't collapsed.
For most homes outside the high-risk zones, the mandatory coverage is doing the job. In western Pasco, parts of Hernando, and some pockets of Hillsborough, the optional add-on is worth a real conversation.
And the thing that quietly ends deals: prior sinkhole claims. A repaired sinkhole from a decade ago can still make a property nearly uninsurable.
Before you offer — review the claims history, verify what was reported and repaired, confirm you can actually get acceptable coverage, then decide on the add-on.
As always, & I are here to help
