Talk of The Villages



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  #11  
Old 06-01-2012, 07:56 AM
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If a tree falls down in your yard and does not hit and damage your house, your homeowners policy does not cover your loss.
  #12  
Old 06-01-2012, 09:43 AM
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Central florida is located directly over the water aquifer and due to unseasonable dry seasons causes underground gaps and hence eventual sinkholes. In the Tampa area insurance companies experienced an increase of sinkhole claims many of which were in dispute. additionally many homeowners were paid enormous amounts but failed to effect repairs.
subsequently insurance companies began to change their policies.

I am with a major carrier and I had to buy back my sinkhole coverage. However they did provide at no additional cost catastrophic coverage...meaning the damage had to be abrupt, visible, caused damage to the structure and caused the home to be uninhabitable. I don't like the idea of paying more but then people living in Central florida have the exposure

As a side bar while down trees are not covered an insurance company will pay to drop a tree to the ground that was laying on a house in order to inspect damage which is covered.
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  #13  
Old 06-01-2012, 11:09 AM
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Sink holes are a way of life in Florida. They can happen anytime and anywhere. In other words, a home is not safe from a sinkhole no matter where you live or what Village you live in. Its just "the luck of the draw".
  #14  
Old 06-01-2012, 11:13 AM
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Quote:
Originally Posted by aaffmom View Post
I may be wrong but I do not think land has ever been covered under a home policy.
You're correct and neither are trees, unless they fall on your house, then only the removal is covered plus the house damage minus the deductible.

This should be a big year for sinkholes. From what I understand when the earth goes through big swings of drought followed by heavy rain accumulation over the weeks and months, a sink hole will form a lot more easily and bigger ones too. It's certainly been dry this winter and now it's raining almost every day. Check your property after every rainstorm.

EDIT: (Sorry rubicon, should have read your post first before I added this).
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  #15  
Old 06-02-2012, 10:13 AM
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Default Sinkholes

Would The Villages have the sinkholes fixed to avoid bad publicity or is ths definitely the responsibility of the owner? Would this happen under a house?
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  #16  
Old 06-02-2012, 10:27 AM
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Quote:
Originally Posted by linandvin View Post
Would The Villages have the sinkholes fixed to avoid bad publicity or is ths definitely the responsibility of the owner? Would this happen under a house?
I don't think so.

And it CAN happen under a house. That is the reason everyone reacts so fearfully when they hear about it. However I haven't heard of it happening here, that doesn't mean it didn't happen here on campus, but I am an avid reader of this forum now for five years and news seems to get here and every danged rumor under the sun too and that hasn't been reported.

I heard someone say that the Morse's better step up if she ever has a sinkhole problem. I was thinking that when the wind blew off shingles up North I wouldn't have blamed the developer. Nor would anyone I knew.

The Morses can't do much about preventing them. It is what happens VERY occasionally hereabouts because of the nature of the ground underneath us..
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  #17  
Old 06-04-2012, 07:49 PM
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Anyone hear anymore about sink hole in Buttonwood? Anyone know what street it was on? My house is on Bayport Place. Appreciate any info anyone has.
  #18  
Old 06-05-2012, 07:42 AM
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Quote:
Originally Posted by daca55 View Post
Anyone hear anymore about sink hole in Buttonwood? Anyone know what street it was on? My house is on Bayport Place. Appreciate any info anyone has.
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