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?

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.

That's going to save them a lot of time mowing.

:::POOF::: now your property is worthless.

Karst topography: not a place to build.

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

Potential Landfill?

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.

nekom

It may be its own insurance policy altogether


"It may be its own insurance policy."

Guatemala City laughs at your sinkhole.

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.

Huh. I didn't know there was such a thing as "sinkhole insurance".

Wonder when the fine from the HOA will show up in the mailbox?

/HOAs can DIAF!

OHMYGODWHOCARES?

Sinkhole, go home!

/You're drunk

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?

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!

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??"

Looks like a good spot for a Koi pond

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.

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.

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!

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!

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

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.

Yet another reason not to live in the mosquito-infested bug-ridden swamp.

Hurricanes, sinkholes, old people, mosquitoes, tourists... just another day in paradise.

heheheh stinkhole

Comes with an inground pool can increase the value.

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

Sinkhole Insurance??!? WTF?

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.

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.

Wanted for Questioning

Was it all because of sin? I bet it was.

I read that as "Snookie to front yard". Looks like I picked the wrong week to stop sniffing glue.

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

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.

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.

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.

Water drips down to the cupboards underneath and everything gets moldy.

FeFiFoFark: OHMYGODWHOCARES?

I'd guess the owners...

Douche.

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

They don't have hurricanes in Florida?

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.

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

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.

30K nonsense: Toss in some sand and a flag at the top. Call it a chipping practice green.

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.

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.

Not far from Tiger Woods home.

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.