One thought I have about buying sinkhole insurance is that you may pay premiums for years, and never have a claim. In fact, that's what is most likely, and that's all good. You buy the insurance for peace of mind and hope you never need it. However, I have a feeling that if the area were to have an increase in sinkhole activity, say 2 or 3 times the number currently plotted, you still would be unlikely to be the claimant, and if you are one of the 99.9% not involved, my guess is that the insurance companies will ALL bail out of writing policies. The fact that you can get a policy now is no guarantee you will be able to get one later, should a few more sinkholes appear.
I am beginning to come to the thinking that living with sinkhole risk is just one of those things that comes with the fun of living in this area. We'd all like to avoid that risk at a small price, but that may just become impossible.
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