What do I do if
Sinkhole activity denied as not meeting Catastrophic Ground Cover Collapse threshold.
Non-CGCC coverage requires specific endorsement on many Florida policies.
Sinkhole activity denied as not meeting Catastrophic Ground Cover Collapse threshold.
Root cause
Why this happens
Non-CGCC coverage requires specific endorsement on many Florida policies.
Know the law
Your rights as a Florida policyholder
FS 627.706 governs; review policy for sinkhole activity endorsement separate from CGCC.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 later.
What to do
Solution steps
- 01
Step 1
Review policy for sinkhole activity endorsement
- 02
Step 2
If endorsed, dispute under that coverage
- 03
Step 3
If not endorsed, evaluate whether CGCC criteria are met
- 04
Step 4
Commission independent geotechnical analysis
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
My jewelry sublimit is $1,500 but I lost $20,000 in jewelry.
Standard HO-3 policies cap unscheduled jewelry at $1,500 in theft. Only scheduled (riders) items get full coverage.
My pool cage was denied as landscaping.
Carriers sometimes miscategorize pool enclosures to apply landscaping sublimits.
Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
See also
Other common problems
Subfloor water damage discovered during repair.
Another situation Florida policyholders face mid-claim.
New disaster affected my ongoing claim resolution.
Another situation Florida policyholders face mid-claim.
Vapor barrier damaged in water event.
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (variant 2).
Another situation Florida policyholders face mid-claim.
Weather delays during repair affect claim (variant 2).
Another situation Florida policyholders face mid-claim.
Pool and pool equipment damaged.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more