Glossary · damage
Catastrophic Ground Cover Collapse
Mandatory-coverage sinkhole event.
CGCC requires abrupt collapse, damage preventing use, and visible depression. Mandatory on Florida HO-3 policies per FS 627.706. Non-catastrophic sinkhole activity has a different coverage bar.
In practice
Where you encounter "Catastrophic Ground Cover Collapse" in Florida claims
Policyholders see "Catastrophic Ground Cover Collapse" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Related terms
Gradual deterioration, typically excluded from coverage.
Rain entering through a wind-created opening, typically covered.
Geological subsidence or settlement, coverage varies.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
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Where else this term matters
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Glossary
Related insurance terms
Related glossary entry: Additional Living Expense (ALE).
Related glossary entry: Blanket Coverage.
Related glossary entry: Market Share.
Related glossary entry: Hurricane Deductible.
Related glossary entry: Umbrella Policy.
Related glossary entry: DP-3 Policy.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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