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
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 next.
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.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Free claim review
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 next.
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Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
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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