As far as sink holes go I think it would cause severe damage to any home.
Vinyl and block homes have poured concrete floors and both are prone to a certain amount of cracking as things settle.
We bought a pre-owned that is now 15 years old and things are about as settled as they will be.
When we pulled up the carpet before we had porcelein tile installed there were several small, but long cracks in the floor.
I do have one section on an exterior wall at the blocks that some mortar has cracked along the seam, but that is an easy repair. Up north I had to have tuck pointing done on the chimney because some of the mortar worked itself loose in time.
Then again, we also had to replace some damaged vinyl on that home.............
Speaking of sink holes.....my wife and I think we (as well as everyone else in TV's) should check to make sure we are covered on the insurance policy for damage from sink holes.
