All home owner policies in Florida have "Sinkhole" coverage but that means if the ground opens up into an actual hole and your house at least partially collapses into it you are covered. This kind of event happens in a day or a few days.
The other kind of "sinkhole" insurance covers subsidence. Subsidence is a slow and slight collapse of the ground may not even be visible surface. It usually starts with small cracks appearing in the wallboard or tile and just keeps on expanding. Over time no sinkhole may ever appear on the surface but your house is damaged, maybe to the point of being condemned. That's the kind of sinkhole insurance that is available as an add on or separate policy. In some cases you may not be able to get subsidence insurance. This kind of event might continue for months.
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