The short answer
Standard US home policies exclude earth movement including sinkholes. Florida law requires all HO policies to include Catastrophic Ground Cover Collapse (very narrow trigger: home condemned, visible depression). Broader sinkhole cover is a paid endorsement, often with a 10% deductible.
Frequently asked
- Why was my sinkhole claim denied?
- Usually because damage didn't meet the strict CGCC trigger — no total collapse or condemnation order.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription