— Topic

Sinkhole Coverage

How catastrophic ground cover collapse coverage and optional sinkhole loss policies work in Florida — and which one you actually have.

Florida Home Insurance and Sinkholes: What's Actually Covered

Florida Home Insurance and Sinkholes: What's Actually Covered

Florida law requires all homeowners' policies to include catastrophic ground cover collapse coverage — but that only pays out in extreme cases. Sinkhole loss coverage is different, optional, and usually costs extra. Here's how to know which one you have and whether it's enough.

By Ben Laube