I was informed by an insurance agent that it is hard to get sinkhole coverage with a low deductible because many people put in claims for any cracks in and around their homes and claimed it was a sinkhole problem.
I got the castrophic coverage only but it's better than nothing. I don't tend to worry about things I cannot control.
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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