Sinkhole Coverage
Specialized insurance protection against damage caused by the sudden collapse of ground surface due to underground voids.
Detailed Explanation
Standard homeowners policies typically exclude earth movement, including sinkholes. In areas prone to sinkholes (particularly Florida), additional coverage may be available as an endorsement or separate policy to protect against this risk.
Practical Example
When a sinkhole suddenly formed under one corner of Janet's Florida home, causing the foundation to crack and walls to separate, her sinkhole coverage endorsement paid for stabilizing the ground and repairing the structural damage.
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