Another Linda....even if you go through those hoops to get sinkhole insurance, I would bet your minimum deductible would be 10% of property insured value ...so for a $200,000 insured property that $20,000 out of pocket before the insurance company evens starts to pay.
Decide you are wiling to take that risk before you make additional outlays to get the inspection reports. If you can get it, its still probably worth the cost.
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