Florida law defines "sinkhole" and "catastrophic ground cover collapse", and they are two different things, and the legal definitions are about as clear as mud. If you ask five insurance agents to describe the difference, you will get five different answers. If you ask a lawyer, they will tell you that many insurance agents are misrepresenting catastrophic ground collapse as sinkhole coverage. Youtube has several videos by lawyers who try to describe the differences, and they say that you need sinkhole coverage to protect your property. Sinkhole coverage is better, and, if you have it, your policy declaration page will use the word "sinkhole". If it says "catastrophic ground collapse", then you don't have it. I wish this issue were more clear, but it just isn't. Here is a Youtube video that explains the issue by an attorney.
Sinkhole Activity vs. Catastrophic Ground Collapse: Home Insurance in Florida - YouTube