Sinkhole Coverage
and Claims
Sinkhole Inspections
Sinkhole Claims
Frequently Asked Questions

Sinkhole Claims

Florida law imposes specific requirements on insurers and policyholders for resolving a sinkhole claim. By taking the guesswork out of the process, we hope to make the process easier and less stressful.

For damages to be covered, sinkhole claims must meet the following criteria:

  • Sinkhole claims with a date of loss prior to 2012 must have actual physical damage caused by sinkhole activity.
  • Sinkhole claims filed on a policy with sinkhole coverage issued or renewed on or after 1/1/2012 must have structural damage caused by sinkhole activity to the principal building, including the foundation.

For a list of counties, visit the Sinkhole Inspections tab.

For information on how to file your sinkhole claim, visit our Claims Center.