I have Security First also. I was notified that the sinkhole insurance would be dropped IF I did not have a sinkhole inspection. That cost $140 and Security First would pay $70 of the $140. If no sinkhole activity was found (no cracks, etc) I could get the sinkhole coverage with a 10% deductible. I contacted several other insurance companies and was told even if I had the sinkhole inspector give a clean report, I probably would not get coverage. My Security First is underwritten with GEICO.
They all went to great extent to explain what the difference between sinkhole coverage and catastrophic ground collapse coverage means.
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