[capecoralbill]

Types of sinkholes:
One Type:
Included in almost all policies:
Catastrophic ground cover collapse is defined as geological activity that results in all of the following: 1). The abrupt collapse of the ground cover; 2). A depression in the ground cover clearly visible to the naked eye; 3). Structural damage to the building including the foundation; and 4). The "insured structure being condemned and ordered to be vacated" by the government agency authorized by law to issue such an order for that structure.

The Other type:
Extra cost, and may not be available, due to red-lining.
This means that if your home is damaged by sinkhole activity, but does not meet all four criteria for catastrophic ground cover collapse for instance, you may have foundation cracks, but the home is still livable your insurance may not pay for the damage if you do not have "extra cost" ," Non catastrophic"sinkhole coverage.