If you can see the sinkhole it is catastrophic ground collapse. Condemned means that the county will require you move until repairs are made because until repaired your home is not safe. If you have a kitchen fire, the county is going to condemn your propery until the electric wiring is repaired because your home is not safe to live in. same thing.
Sinkhole, you can not see it. You may have some cracking in concrete, hairline cracks in stucco, etc. my parents always called that settling and cracking. Today people say I think I have a sinkhole.
Bottom line, if it is a catostropic group collapse the deductible is the same as if you have a fire, wind, lightning, theft, etc claim which is usually $500 or $1000 deductible.
Live and enjoy life. Worrying about a sinkhole vs catostropic ground collapse is in my opinion not something I choose to do.
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