you need to differentiate...there are naturally occuring sinkholes in Florida because there is limestone (think dry sponge) under the ground. But, then there are man-induced sinkholes due to the considerable amount of dirt moving and drainage under our community. I think the developer does a great job of following the natural contours of the land, piping under the land and streets, and in planning the house placement, but if you watch the dirt moving and pipelaying you will see that IF the dirt is not replaced properly, you may have a cave-in. There was just one of these a couple weeks ago in a new area of Hemingway (during the 14" rain) where the runoff washed a hole under the street...granted the area was so new it had not been sodded yet, so it was easy for the runoff to wash away the dirt and cause a small pavement collapse. However, I do not know if the insurance companies care how a sinkhole happens in figuring out who is responsible for fixing it.
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