Click on photos to enlarge them;
Click on a link (blue & underlined) to go to that spot on the website;
Click the Back button (top of screen) to return to the previous view or place.
As most of you have heard and read, as in past years, sinkholes have opened up here in The Villages. (Last year, we heard about sinkholes in Sunset Point and Belvedere.) This year, we made national news with the sinkhole in Buttonwood.
Here are some links to the national and local coverage of these most recent sinkholes.
Sinkholes and Catastrophic Ground Collapse — Florida has more sinkholes than any other state in the nation. A recent change in Florida law requires authorized insurers to cover “catastrophic ground cover collapse,” but damage caused by a sinkhole may not be covered by your policy.
That’s because the law defines catastrophic ground cover collapse differently from sinkhole.
The state of Florida is unique. In Florida, home insurance policies must include coverage for what's known as "catastrophic ground cover collapse." ‘Ground cover’ is a phrase that describes the area of the earth (covering the ground) that opens up. Under the Florida law, according to the Florida Department of Financial Services, if a sinkhole occurs under your home, you would be covered if the incident meets four criteria:
1. The collapse of the ground cover in an abrupt manner.
2. A resulting depression in the ground cover that can be seen by the naked eye.
3. Damage to the building’s structure and foundation.
4. An order that the building be condemned and vacated.
In other words, a Florida homeowner’s policy would likely cover the extreme case where the back of the house disappears into a sinkhole, but it might not cover cracks in the foundation if your home is still habitable. To have coverage for the latter under Florida law, you may need optional sinkhole activity coverage, which is typically available through a rider, or addition, to your home insurance policy.
For more information about sinkholes: