Originally Posted by LLJorgs (Post 2219755)

We have both coverages. We bought new construction and was told by agent we should have it, most everyone does. Upon renewal we were also debating whether to keep it and an inspector told us in their opinion keep it at least 5 yrs to give everything time to settle after all the disruption in the area. An actual example given was a sink hole opening in front yard that damaged attached garage and foundation was not covered under catastrophic cause house was not condemned - cost was about $100k to repair. Convinced us to keep it and went with State Farm, we have 1/2% deductible for all perils including the added sinkhole coverage. Only one I found that offers less than the 10% deductible on sinkhole and we got better coverages on other items.

Originally Posted by Rainger99 (Post 2219061)

At the present time, I have Sinkhole coverage and Catastrophic Ground Collapse coverage. I am debating whether I can drop Sinkhole coverage and save some money. Do most of you have both Sinkhole and Catastrophic coverage? What are the pros and cons of dropping Sinkhole? As far as I can tell, Catastrophic Ground Collapse is mandatory.

Any horror stories with insurance companies denying Catastrophic Ground Collapse because it wasn't sudden?

Originally Posted by yabbadu (Post 2219860)

What does your insurance agent tell you as opposed to opinions on this website?

Originally Posted by yabbadu (Post 2219860)

What does your insurance agent tell you as opposed to opinions on this website?