Pre-Loss
Florida Sinkhole Coverage: CGCC vs Non-Catastrophic Activity
Mandatory catastrophic ground cover collapse coverage versus optional non-catastrophic sinkhole activity. What your policy actually covers.
Mandatory catastrophic ground cover collapse coverage versus optional non-catastrophic sinkhole activity. What your policy actually covers.
Pre-loss
Why this matters before you have a claim
Florida Statute 627.706 requires all homeowners policies to cover catastrophic ground cover collapse (abrupt collapse + damage preventing use + visible depression). Non-catastrophic sinkhole activity is optional endorsement that covers lesser damage.
What to do
The basics
- 01
Step 1
Check dec page for sinkhole activity endorsement
- 02
Step 2
Review form language on CGCC
- 03
Step 3
Note deductibles specific to sinkhole
- 04
Step 4
Document any existing cracks or settling now
- 05
Step 5
Understand testing protocol before you need to file
Free claim review
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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.
Know the traps
Common mistakes
- XAssuming standard policy covers all sinkhole damage (CGCC only)
- XMissing the non-CGCC endorsement if you want broader coverage
- XNot photographing existing cracks before a claim
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
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Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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.
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- ✓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.
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