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   Sinkhole to front yard: OM NOM NOM NOM

14 Nov 2012 02:03 PM   |   15486 clicks   |   CF News 13
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ZAZ    [TotalFark]  
The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?

14 Nov 2012 12:14 PM
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nekom    [TotalFark]  

ZAZ: Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?


It may be its own insurance policy altogether, as is the case with flood insurance or in my area mine subsidence insurance. Neither of which are a concern to me some 300 feet above the river's normal pool elevation and on top of mines abandoned in the 1920s, but general homeowners insurance will cover neither of those either.

14 Nov 2012 12:44 PM
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Sybarite    [TotalFark]  
That's going to save them a lot of time mowing.

14 Nov 2012 01:33 PM
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Bossk'sSegway     
:::POOF::: now your property is worthless.

14 Nov 2012 02:06 PM
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JackieRabbit     
Karst topography: not a place to build.

14 Nov 2012 02:07 PM
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litespeed74     

Bossk'sSegway: :::POOF::: now your property is worthless.


Potential Landfill?

14 Nov 2012 02:10 PM
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abhorrent1     
Neighbors, meanwhile, are scared. Some are thinking twice about purchasing protection against sinkholes.
"That's why we're scrambling to get ours and because if it happens there, it's going to happen elsewhere," said neighbor Charles Mallo.


Um, probably too late now.

14 Nov 2012 02:10 PM
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Englebert Slaptyback     

nekom


It may be its own insurance policy altogether


"It may be its own insurance policy."

14 Nov 2012 02:11 PM
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moocifer     
Guatemala City laughs at your sinkhole.

blog.cheapoair.com

14 Nov 2012 02:15 PM
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Silverstaff     

JackieRabbit: Karst topography: not a place to build.


If we listened to that, pretty much the entire state of Kentucky would be abandoned.

Pretty much the entire state is Karst. Freaking caves and sinkholes everywhere. A decade and a half ago, they were building a vast new library at the University of Kentucky, right in the heart of town. Construction was delayed for months because a sinkhole formed right in the middle of the construction site and they had to stop and fill it in with a ridiculous amount of concrete. 

Around here, it just happens. Not horribly often, but it happens.

14 Nov 2012 02:16 PM
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Jument     
Huh. I didn't know there was such a thing as "sinkhole insurance".

14 Nov 2012 02:16 PM
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Thespis377     
Wonder when the fine from the HOA will show up in the mailbox?

/HOAs can DIAF!

14 Nov 2012 02:17 PM
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FeFiFoFark     
OHMYGODWHOCARES?

14 Nov 2012 02:17 PM
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Fritriac     
Sinkhole, go home!

/You're drunk

14 Nov 2012 02:18 PM
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blatz514    [TotalFark]  

ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?


what about volcano insurance?

14 Nov 2012 02:18 PM
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THX 1138     
FTFA: "It was about half that size," said Paul Padfield. "The depth is about twice as deep as it originally was."

As a matter of fact, its depth was originally zero. Now it's twice that!

14 Nov 2012 02:20 PM
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styckx     

ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?


Came here to comment about Sinkhole insurance.. Sounds like some shady bullshiat an insurance company would pull

Homeowner: "Thank god I have home insurance"

Insurance company: "Can I see that policy ma'am?"

....

Insurance company: "Hmm, yeah... It looks like you're not covered for sink holes"

Homeowner: "But it doesn't say you don't cover them"

Insurance company: "That's called our out ma'am.. Would you like coverage now??"

14 Nov 2012 02:20 PM
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Fark-N-Noodle     
Looks like a good spot for a Koi pond

14 Nov 2012 02:20 PM
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Igor Jakovsky    [TotalFark]  

ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?


Yes, most florida policies allow you to choose it as an endorsement. Over on the east coast where you don't normally get them it might cost you $20 a year. If you live in west or central florida where they are prevalent The coverage will double your premium. I also imagine that of you have a mortgage, the bank will require it anyway.

It is that expensive because of real sinkholes and because of fraud. Unscrupulous public adjusters will troll neighborhoods looking for things like cracks in stucco or driveways. Then they will knock on the door and try to get the homeowner to file a sinkhole claim, though 99% of the time it is just normal settling that causes these things. If the insurance co pays out, the PA gets a cut.

14 Nov 2012 02:24 PM
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hutchkc     

blatz514: ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?

what about volcano insurance?


Hey I have volcano insurance ... just because it comes with earthquake. Earthquake/volcano insurance is probably pretty much useless in Kansas City, but for $1.50 a year it doesn't hurt with the New Madrid on the other side of the state. If most likely won't hurt me, but for the price why the heck not.

14 Nov 2012 02:24 PM
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Jument     

hutchkc: blatz514: ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?

what about volcano insurance?

Hey I have volcano insurance ... just because it comes with earthquake. Earthquake/volcano insurance is probably pretty much useless in Kansas City, but for $1.50 a year it doesn't hurt with the New Madrid on the other side of the state. If most likely won't hurt me, but for the price why the heck not.


I don't know what you're getting for $1.50 but I'm pretty sure it ain't earthquake insurance!

14 Nov 2012 02:26 PM
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blatz514    [TotalFark]  

hutchkc: blatz514: ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?

what about volcano insurance?

Hey I have volcano insurance ... just because it comes with earthquake. Earthquake/volcano insurance is probably pretty much useless in Kansas City, but for $1.50 a year it doesn't hurt with the New Madrid on the other side of the state. If most likely won't hurt me, but for the price why the heck not.


Huh, I didn't realize there was a fault there 'till I googled it.

I learned something on Fark today!

14 Nov 2012 02:28 PM
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Qwertyette     
Good thing I have cloud insurance. Just look at them up there... plotting.

14 Nov 2012 02:29 PM
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hutchkc     

Jument: hutchkc: blatz514: ZAZ: The Padfields moved in two years ago and don't have sinkhole insurance.

Is there a checkbox on a Florida homeowner's insurance application to select or decline sinkhole coverage?

what about volcano insurance?

Hey I have volcano insurance ... just because it comes with earthquake. Earthquake/volcano insurance is probably pretty much useless in Kansas City, but for $1.50 a year it doesn't hurt with the New Madrid on the other side of the state. If most likely won't hurt me, but for the price why the heck not.

I don't know what you're getting for $1.50 but I'm pretty sure it ain't earthquake insurance!


It all depends on where you live. Since I don't think a volcano or earthquake has ever affected this area it's dirt cheap. Tornado/Storm insurance on the other hand isn't that cheap. All depends on where you live.

14 Nov 2012 02:30 PM
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The Irresponsible Captain     
Yet another reason not to live in the mosquito-infested bug-ridden swamp.

14 Nov 2012 02:31 PM
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Rapmaster2000    [TotalFark]  
Hurricanes, sinkholes, old people, mosquitoes, tourists... just another day in paradise.

14 Nov 2012 02:31 PM
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jfivealive     
heheheh stinkhole

14 Nov 2012 02:33 PM
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uncleacid     
Comes with an inground pool can increase the value.

14 Nov 2012 02:34 PM
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blatz514    [TotalFark]  

Qwertyette: Good thing I have cloud insurance. Just look at them up there... plotting.


I'll just post the link for everyone to enjoy.

Link

14 Nov 2012 02:35 PM
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Random Discord     
Sinkhole Insurance??!? WTF?

14 Nov 2012 02:46 PM
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JackieRabbit     

Silverstaff: JackieRabbit: Karst topography: not a place to build.

If we listened to that, pretty much the entire state of Kentucky would be abandoned.

Pretty much the entire state is Karst. Freaking caves and sinkholes everywhere. A decade and a half ago, they were building a vast new library at the University of Kentucky, right in the heart of town. Construction was delayed for months because a sinkhole formed right in the middle of the construction site and they had to stop and fill it in with a ridiculous amount of concrete. 

Around here, it just happens. Not horribly often, but it happens.


But KY's karst layer is thick and very deep, with a lot of structure to support the stuff above it - very similar to the Cumberland Plateau. Florida's layer is very shallow and fragile. And KY probably doesn't pump all the water out of the karst layer to water oranges, tomatoes, melons, etc. Sink holes weren't always a frequent occurrence in Florida either, but they are now.

14 Nov 2012 02:47 PM
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Pick     
I have it on mine, don't remember a checkbox, though. Have had several little ones form in the yard. Looks like someone dug a post hole, and took away the dirt.

Sometimes someone will test for ground stability by having a crane come in and drop a 4X4 foot square piece of concrete many times over the area the home is going to be built.

14 Nov 2012 02:47 PM
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SkunkWerks     
Wanted for Questioning
www.shuizmz.com

14 Nov 2012 02:50 PM
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Lord Dimwit     
Was it all because of sin? I bet it was.

14 Nov 2012 02:51 PM
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Bill the Cat     
I read that as "Snookie to front yard". Looks like I picked the wrong week to stop sniffing glue.

14 Nov 2012 02:52 PM
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Bruce Campbell     

Igor Jakovsky: Yes, most florida policies allow you to choose it as an endorsement. Over on the east coast where you don't normally get them it might cost you $20 a year. If you live in west or central florida where they are prevalent The coverage will double your premium. I also imagine that of you have a mortgage, the bank will require it anyway.


The state still requires catastrophic ground cover collapse in lieu of sinkhole, where cgcc has more qualifying criteria before the insurance company must pay.

/thinks there should be a superfund for all land developers to pay into.
//more people in an area suck more water out of the ground
///less water in the ground, more sinkholes

14 Nov 2012 02:52 PM
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Zeb Hesselgresser     
I work for a company that fixes sinkholes. In N/E PA our problem is limestone. It's everywhere, hence the cement industry. Sinkhole coverage is an add on, in my case, take your standard homeowners and add 15% for the additional coverage. Worth it.

That there is a $30,000+ problem if it did not damage the house.

14 Nov 2012 02:56 PM
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pyrotek85     

moocifer: Guatemala City laughs at your sinkhole.

[blog.cheapoair.com image 500x333]


I still can't believe that it's not fake, it's just unreal how enormous it is.

14 Nov 2012 03:00 PM
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StoPPeRmobile     

The Irresponsible Captain: Yet another reason not to live in the mosquito-infested bug-ridden swamp.


Should I move back to NY for the snow storms and hurricanes?

Think I'll go for a swim today.

14 Nov 2012 03:02 PM
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Shmeat     
Water drips down to the cupboards underneath and everything gets moldy.

images.younghouselove.com.s3.amazonaws.com

14 Nov 2012 03:04 PM
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skankboy     

FeFiFoFark: OHMYGODWHOCARES?


I'd guess the owners...

Douche.

14 Nov 2012 03:04 PM
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SkunkWerks     

StoPPeRmobile: Should I move back to NY for the snow storms and hurricanes?


They don't have hurricanes in Florida?

14 Nov 2012 03:05 PM
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SpectroBoy     

FeFiFoFark: OHMYGODWHOCARES?


People who give a shiat about other people
People who are curious about science
People who are curious about insurance
People who are curious about what it's like to live in other places.

Apparently the only people who don't care are incurious dullards.

14 Nov 2012 03:08 PM
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Zeb Hesselgresser     

SkunkWerks: StoPPeRmobile: Should I move back to NY for the snow storms and hurricanes?

They don't have hurricanes in Florida?


only the regular kind, not the ramped up climate change ones

14 Nov 2012 03:09 PM
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SkunkWerks     

Zeb Hesselgresser: only the regular kind


Which, nonetheless:

1) Start in the southern hemisphere and travel north. First stop?
2) Gain strength over warm water.
3) Have an ample supply of that in Florida's vicinity in any of three choice cardinal directions.

Tradeoffs.

14 Nov 2012 03:13 PM
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justanotherfarkinfarker     
30K nonsense: Toss in some sand and a flag at the top. Call it a chipping practice green.

14 Nov 2012 03:15 PM
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Amphipath     
FTA:

There are several signs you can watch for that may lead to the formation of a sinkhole:

Slumping, sagging or slanting fence posts, trees or other objects
Doors and windows that fail to close properly
Structural cracks in walls, floors and pavement
Cracks in the ground surface.

/Sounds like Florida.

14 Nov 2012 03:15 PM
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SkunkWerks     

Amphipath: FTA:

There are several signs you can watch for that may lead to the formation of a sinkhole:

Slumping, sagging or slanting fence posts, trees or other objects
Doors and windows that fail to close properly
Structural cracks in walls, floors and pavement
Cracks in the ground surface.


Conspicuously missing from the list?
You're living in Florida.

14 Nov 2012 03:18 PM
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AnotherOldFart     
Not far from Tiger Woods home.

14 Nov 2012 03:18 PM
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keypusher     

pyrotek85: moocifer: Guatemala City laughs at your sinkhole.

[blog.cheapoair.com image 500x333]

I still can't believe that it's not fake, it's just unreal how enormous it is.


That's what she...ah, forget it.

14 Nov 2012 03:22 PM
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