We have used USAA for 42 years. They wrote our HO insurance July 2013 for zip 32163. We asked for sinkhole insurance (+$2.00/month). They issued "catastrophic collapse" insurance. At about page 30 of the policy, it was stated that this was not sinkhole coverage. We phoned to correct to "sinkhole." They used a LOT of double speak about catastrophic collapse including sinkholes. After three tries, we got "sinkhole" coverage. They told us to print out our own policy from the Internet. Yes, we love USAA. Yes, they are not what they used to be. (Not in a good way!)
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