Not that laws mean anything anymore, but every Florida homeowner policy is required by law to include catastrophic sinkhole coverage.
Nevertheless, when American "Integrity" renewed my policy this year, they added a rider than excluded BOTH my roof AND catastrophic sinkhole coverage -- and then raised my rate 20%!
So, I guess, in this corrupt new loony tunes world we live in, where anybody can do anything they want except for law-abiding suckers and tax payers, we're probably on the verge of "virtual" insurance, where you pay an enormous rate so that your neighbors can scam a new roof every ten years, but the fine print excludes all other actual hazards. I'm tempted to get a mortgage just so I can have someone big enough on my side to force them to sell me real insurance!
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