Sinkhole Coverage
and Claims
Sinkhole Inspections
Sinkhole Claims
Frequently Asked Questions

Sinkhole Inspections

Citizens requires a sinkhole inspection when new applicants and current policyholders who want to add the optional Sinkhole Loss coverage endorsement meet either of the following criteria:

  • The property is located in one of the following counties:

    • Alachua
    • Citrus
    • Hamilton
    • Hernando
    • Hillsborough
    • Lake
    • Manatee
    • Marion
    • Pasco
    • Pinellas
    • Polk
    • Seminole
    • Sumter
    • Suwannee
    • Wakulla
    • Washington

  • The policyholder answers Yes to any of the application's sinkhole-related questions or the Sinkhole Loss Coverage Renewal Endorsement Request form

Citizens will order your sinkhole inspection from a Citizens-approved sinkhole inspector. The cost for these inspections is $180, which is split evenly between Citizens and the policyholder. The policyholder must pay their half of the inspection price ($90) directly to the inspection company. The payment is nonrefundable, regardless of whether coverage is approved or declined.

Once the inspection has been performed, the inspection company will provide both Citizens and the policyholder with a copy of the report. Citizens will review the inspection findings and issue a decision on eligibility for Sinkhole Loss coverage. In most cases, policyholders can expect to receive a decision within 45 days of the date the inspection is ordered.

Because of the time it takes to process Sinkhole Loss coverage requests and inspections, policyholders who wish to add Sinkhole Loss coverage to a current policy must have their agent submit their request at least 90 days before renewal. Contact your agent to request this coverage.