[cherylncliff]

First, every insurance company and every policy is a separate case. That said, I just sat in my agents office today and discussed my specific policy which has both catastrophic and what they call endorsement (non-catastrophic). I have ASI insurance and the agent said the following: All policies written in Florida cover catastrophic Ground Cover Collapse as required by law. ASI offers the Endorsement policy on new construction when purchased during the year in which the house was built. If you buy pre-owned or have not had the endorsement policy, you can apply for it but must have and pass an inspection. I do not know if the rates are different for new construction vs not new. I strongly recommend that you discuss directly with an insurance agent rather than taking my or any other non-experts word.