[petsetc]

At the risk of beating a dead horse, I have a simple and straight forward question regarding sink hole insurance. I understand the following already:

Catastrophic Ground Cover Collapse (CGCC) is covered by all FL policies subject to
4 pre-determined factors including the house is deemed uninhabitable.

Sink Hole Insurance covers “subsidence” and may come into play if the house does not
meet the factors for CGCC and there is a typical deductible of 10% of the policy

Both apply only to the dwelling, not to the yard, the driveway, etc.


My question is whether anyone knows of an actual successful claim(s) under a sink hole insurance rider.

I have for 10 years had sink hole coverage but have been told by two independent agents that since my roof is 11 years old (over 10 yrs) none of their companies will write my sink hole coverage. ( I did ask what my roof had to do with sink holes and got … in response). I am currently with Kin who wants $2800 to renew me (with sink hole rider) or I can go elsewhere for $1600 without sink hole coverage. I am in Village of Dunedin
.
Again - My question is whether anyone knows of an actual successful claim(s) under a sink hole insurance rider.

I am on a short timeline, so your input is greatly appreciated.