[TednRobin]

We just got home owners quote from TV insurance, no sink hole coverage in Marion County. Does anyone have other insurer that does cover in Marion Co?

[GatorFan]

You should be able to order an inspection through the insurance company. There is no guarantee you will be approved but worth the one time fee to find out.

[rjm1cc]

Originally Posted by TednRobin

We just got home owners quote from TV insurance, no sink hole coverage in Marion County. Does anyone have other insurer that does cover in Marion Co?

A new broker I went too said you can order an inspection for $144 but the insurance company normally turns down the insurance - Marion County

[chuckinca]

We have AIS insurance from AAA in TV that covers our Marion County home for sinkholes with 10% of home value deductible - just got the annual renewal (we have had this insurance since '05).


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[Bill-n-Brillo]

Contact Rita Canty with Brightway Insurance out of Jacksonville - (904) 646-1850. They represent a vast majority of the insurance companies that write HO insurance in FL.

We got our homeowners insurance through Rita a couple of years ago when we bought and were able to get sinkhole coverage (with an inspection required). Our place is in Sumter County but it would be worth a call to her to see if they can help you in Marion.

Bill

[GatorFan]

Buy local. The local agencies represent the same companies. These are some of the things that are looked at during inspections. Any cracking in driveway, garage, foundation, window sills, etc. Any reported sinkholes within a mile of your home.

[Bill-n-Brillo]

Originally Posted by GatorFan

Buy local. The local agencies represent the same companies. ........

GatorFan, I agree. But sometimes, especially given that the O.P. is having trouble finding sinkhole coverage, you have to make exceptions. I called a number of local agencies when we were looking for our HO insurance a few years back and was having a tough time. It was actually one of the local agencies that referred me to Brightway!

I don't think you'll be able to find any single local agency that represents as many carriers as Brightway does:

Brightway Insurance

Disclaimer - I have zero connection or affiliation with Brightway. Just a satisfied customer.

Bill

[skyguy79]

Originally Posted by chuckinca

We have AIS insurance from AAA in TV that covers our Marion County home for sinkholes with 10% of home value deductible - just got the annual renewal (we have had this insurance since '05).

I also have AIS, but your coverage may not actually cover as much as you think it does if at all. I'm no expert in this area by any means, but you might want to read a recent article about sinkhole insurance at the following website, then if necessary, or in doubt, consider discussing your coverage with your agent:

Second sinkhole appears. Does your insurance cover sinkholes? - CSMonitor.com

[gpirate]

Originally Posted by TednRobin

We just got home owners quote from TV insurance, no sink hole coverage in Marion County. Does anyone have other insurer that does cover in Marion Co?

Are sinkholes a big problem in Sumter County? Certain areas more problems than others?

[Mack184]

Originally Posted by chuckinca

We have AIS insurance from AAA in TV that covers our Marion County home for sinkholes with 10% of home value deductible - just got the annual renewal (we have had this insurance since '05).


.

There is the difference. You've already got a policy. If you are a NEW resident buying a NEW policy in FL you've got as much chance of getting sinkhole insurance as you've got of finding a unicorn. We too went through the inspection..which is done by an independent company..NOT the insurance company. The inspector then sends the report to the insurance company which then decides if they will issue the policy or not. The bottom line is...if it's a NEW policy they are NOT going to issue you a sinkhole rider.

[batman911]

Originally Posted by Mack184

There is the difference. You've already got a policy. If you are a NEW resident buying a NEW policy in FL you've got as much chance of getting sinkhole insurance as you've got of finding a unicorn. We too went through the inspection..which is done by an independent company..NOT the insurance company. The inspector then sends the report to the insurance company which then decides if they will issue the policy or not. The bottom line is...if it's a NEW policy they are NOT going to issue you a sinkhole rider.

We were able to get sink hole coverage for our new home (south of 466A) with no problem. USAA will provide it through AIS and The Villages Insurance offers it through Ark Royal.

[Mack184]

Originally Posted by batman911

We were able to get sink hole coverage for our new home (south of 466A) with no problem. USAA will provide it through AIS and The Villages Insurance offers it through Ark Royal.

Please notice that this thread is about M-A-R-I-O-N county, not south of 466. Yes..I too, have Villages Insurance and I know all about how you can get sinkhole coverage in a BRAND NEW TV home (only) with no problem from Ark Royal. Which I have mentioned in other threads. But this thread is not about brand new TV homes in Sumter county. It's about homes in M-A-R-I-O-N county, and what I say stands coming directly from our agent at Villages Insurance.

[justjim]

Originally Posted by Mack184

There is the difference. You've already got a policy. If you are a NEW resident buying a NEW policy in FL you've got as much chance of getting sinkhole insurance as you've got of finding a unicorn. We too went through the inspection..which is done by an independent company..NOT the insurance company. The inspector then sends the report to the insurance company which then decides if they will issue the policy or not. The bottom line is...if it's a NEW policy they are NOT going to issue you a sinkhole rider.

Sounds like we need some "political help"----time to contact your State Senator/State Representative for a change in laws to require coverage if you sell insurance in Florida. Citizens (State's coverage) insures Against Hurricanes and sounds like they might be the last resort for sinkhole coverage. We had no problem getting sinkhole coverage for our new home in Sumter County. 10% of house value as a deductible. That's a bit of an "ouch" but it is coverage.

[TednRobin]

Thanks for all your responses, guess we will hope for the best.

[justjim]

OP just wonder if you contacted your State Legislators regarding this issue and if you got any response?