[l2ridehd]

I believe everyone has the catastrophic insurance as that is a Florida state requirement. It's the casual damage that is the issue. Many many homes in TV have foundation cracks that may or may not be caused by sink holes. They are all caused by some type of settling. So how do you insure against that without causing your rates to skyrocket? $100 per house assumes 100% sign up which would never happen and even if it did the amount would quickly be used up by repairing settling cracks of all types. We need a solution and it has to be provided by insurance companies. Probably the best answer would be a high deductible casual damage type solution. Stop the frivolous claims but protect you against a large cost type fix. Maybe a 10K or 20K deductible.