Getting sink hole or flood insurance depends on you tolerance for risk. I think your home here in the Villages has a better chance of getting hit by lightning since six did last year and burnt down. I don't know of any homes in the Villages that needed to use flood insurance unless they were in a flood plain over the past 10 years or so, and only a couple of homes had sinkhole damage over the past 10 years and they all were considered catastrophic and were covered. And did we have a serveral sinkholes here in the Villages? Yes, but they were not under a home where the sink hole insurance would have covered it.
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