[Topspinmo]

Originally Posted by retiredguy123

Sinkhole insurance is very complicated because different insurers have different requirements. In Florida, all homeowners policies must cover "catastrophic ground collapse" which is similar to sinkhole coverage, but not the same thing. Some insurers will require an older house to have a geological inspection before they will sell you sinkhole coverage. The inspection should cost a few hundred dollars. Sinkhole coverage is an add-on, not part of the basic policy. But, some insurers may not even sell you a policy at all, if they determine that your roof is too old. This is not really related to sinkhole coverage, but can affect your ability to buy any insurance from that company. The reason the age of the roof is important is because an older roof may not protect the house from hurricane damage, and the insurer does not want to be liable for damage to a vulnerable house. If you want sinkhole coverage, you really need to shop around and find a company that will provide the coverage for your specific house. I hope this provides some help.

any insurance policy very complicated! It's the fine print that don't have Two days to read and when you file claims it's a O we don't cover that natural disaster, read you're policy.