Sinkhole Coverage
and Claims
Sinkhole Inspections
Sinkhole Claims
Frequently Asked Questions


If we inspect your property and deny your claim without conducting testing, you may demand testing by notifying Citizens in writing within 60 days of the denial letter.

You will be responsible for paying 50 percent of the testing cost, up to $2,500. If additional testing reveals that covered damage to your principal building was caused by sinkhole activity, Citizens will reimburse you for the costs you paid for additional testing.

If you disagree with the findings of our professional engineer or professional geologist, or if we cannot agree on the method of repair and sinkhole remediation, you can request a neutral evaluation through the Florida Department of Financial Services (DFS). Refer to the Settling Your Sinkhole Claim - Where to Find Help brochure included with your claims letter for more details.