How Do Sinkhole Claims Differ From Other Property Damage Claims?
Feb 3, 2026
Sinkhole claims in Orlando, FL fall under some specific state laws and have unique insurance requirements. If you’re dealing with a sinkhole, call an experienced sinkhole claims attorney to make sure your claim has the best chance of success.
Most standard policies here in Florida will cover things like fire, theft, water damage from burst pipes, and often also windstorms. Usually you get all this on your base policy without any special endorsement, though flood damage usually requires separate flood insurance.
Sinkhole coverage is not automatic. Florida law requires that insurers offer it as an optional endorsement, but it is not mandatory. What is mandatory is something called “Catastrophic Ground Cover Collapse (CGCC)” coverage. At first glance, you might think that describes a sinkhole, but actually CGCC is a narrower coverage, and it only complies if four very specific conditions are all met:
Posted in Insurance Claims · By HD Law Partners