Sinkhole Damage

Coverage for sinkhole damage depends on the specifics of your insurance policy. In Florida, insurers are required to offer optional sinkhole coverage for an additional premium. However, your policy may include coverage for “catastrophic ground cover collapse,” which only applies if certain criteria are met. An attorney can help you understand your policy and ensure your claim is filed properly.

If you believe your property has sinkhole damage:

• Document the damage: Take photos or videos of cracks, tilting floors, or any other issues.
• Contact your insurance company: Notify them as soon as possible.
• Save receipts: Keep records of any temporary repairs or inspections.
• Consult an attorney: Working with an experienced sinkhole damage lawyer can help you navigate the claims process and protect your rights.

While sinkhole damage may occur slowly over time, catastrophic ground cover collapse involves a sudden and dramatic ground failure that meets the following criteria:

• The ground abruptly collapses.
• A depression in the ground is clearly visible.
• Structural damage to a covered building occurs.
• The property is deemed uninhabitable.

Standard policies may not cover gradual sinkhole damage unless you have specific sinkhole coverage. Speak with our attorneys to learn more about your options.

If your claim is denied, don’t give up. Insurers sometimes deny claims due to insufficient documentation, improper filing, or bad faith practices. Our attorneys can review your case, identify errors or unjust denials, and fight for your rights to fair compensation.

Florida law imposes strict deadlines for filing property damage claims, including those related to sinkholes. It’s essential to act quickly to avoid missing these deadlines. Contact Murray Law Group as soon as possible to protect your claim.

Filing a sinkhole claim may affect your premiums, as insurers view sinkhole-prone areas as higher risk. However, protecting your property and securing the compensation you need often outweigh potential rate increases. An attorney can guide you through the process to minimize the impact on your insurance rates.

Yes. If your neighbors are noticing similar damage, it could indicate a larger, localized sinkhole issue. Collaborating with your neighbors to document the problem and report it can strengthen your case. Our attorneys can assist with community-wide claims and investigations.

Sinkhole damage claims can be complex, requiring knowledge of evolving Florida laws and insurance policies. An attorney can:

• Navigate the legal and procedural requirements.
• Protect you from bad faith insurance tactics.
• Maximize your chances of receiving full compensation.

At Murray Law Group, we offer free consultations to discuss your case and determine the best course of action.

Our team has extensive experience handling sinkhole damage claims in Florida. We can:

• Evaluate your insurance policy and determine your coverage.
• Assist with filing your claim and gathering necessary evidence.
• Negotiate with the insurance company on your behalf.
• Represent you in disputes or litigation if your claim is delayed, denied, or underpaid.

At Murray Law Group, we’re committed to holding insurance companies accountable and ensuring you receive the compensation you deserve. Contact us today to discuss your claim!