[CSwofford147@comcast.net]

In a hand out from the State of Florida it states( How do I know whether my policy excludes sinkhole coverage. Policies that exclude sinkhole coverage will have the following wording on the Declarations page: Your policy provides coverage for a catastrophic ground cover collapse that results in the property being condemned and uninhabitable. Otherwise, your policy does not provide coverage for sinkhole losses.
You may purchase additional coverage for sinkhole losses for an additional premium.) The statement that you can purchase additional coverage for sinkhole losses is a fraudulent statement. In order to purchase sinkhole coverage you must have the property inspected and to my knowledge there are very few properties that pass. The criteria is based on all most solely in the Villages on the score on the Sinkhole Index. It goes from 0 to 800 with 800 being the most impacted by ground subsidence activity. I your home is to my knowledge within a couple of miles of sinkhole activity you will receive a rating of 700 and will get a letter that you home is uninsurable. I have never gotten a definitive answer as to how close your home has to be to sinkhole activity to be denied insurance but is my understanding that there are very few homes in the Villages that pass. This denial of insurance is based on the location of the property and it is known to the inspection company and the insurance agent before they go out on these inspections that the property is uninsurable. If you have sinkhole damage and have the wording in your policy stated above and your home is damaged but not condemned by the county authorities you will be responsible for the cost of all damages. This can easily run between $100,000 and $200,00 dollars. This information is known to the Villages when they sell you homes but they withhold this material fact because they think it will be bad for business.