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Sinkhole Insurance

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Sinkhole Insurance Provided By Our Agency

Currently, there is no way to determine if there is a sinkhole on your property. But if you live in a high-risk sinkhole state, your house could be at risk. Talk to us to know more about the need for sinkhole insurance in your area.

What is Sinkhole Insurance?

Sinkhole insurance is a special insurance policy that covers your home and personal belongings from sinkhole damage. Sinkhole insurance also pays to stabilize your homeโ€™s land and covers the cost of repairing your foundation.

Many homeowners assume their home insurance policy will cover sinkhole damage, but that is not always the case. Standard homeowners insurance policies usually do not include sinkhole coverage, although some open perils policies may include it.

What are the types of Sinkhole Insurance coverages?

There are two main types of sinkhole insuranceโ€”sinkhole loss coverage and catastrophic ground collapse coverage. Here are the differences in coverage:
  • Sinkhole loss coverage: Sinkhole loss coverage is an insurance endorsement that typically covers man-made sinkholes, including those related to mining operations. It may or may not cover naturally occurring sinkholes.
  • Catastrophic ground collapse coverage: Catastrophic ground collapse coverage protects your home if it falls into a sinkhole and the foundation is damaged beyond repair. To qualify for catastrophic ground collapse coverage, your home must be condemned by a local government agency.

Why is Sinkhole Insurance important?

It is essential to research your area and know whether or not you reside in a high-risk area prone to sinkholes and pose a genuine threat to homeowners. And because they are so erratic, it is best to prepare for the worst and ensure your home and belongings, especially if you live in an area prone to sinkholes. And if you do, get sinkhole insurance.

In the event that a sinkhole damages your home property and you need help with the hassle of dealing with Sinkhole Insurance, reach out to us.

Talk to us today to know more about Sinkhole insurance.

Already have Sinkhole Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesnโ€™t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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