Florida Sinkholes: What Homeowners Need to Know

Sinkholes in Florida can make the ground beneath your feet can shift—sometimes literally. But not every dip, crack, or collapse in your yard is a sinkhole, and understanding the difference matters when it comes to your homeowners insurance. In this guide, we’ll break down what sinkholes are, how they differ from other ground collapses, and what you can do to protect your home.
A sinkhole forms when Florida’s limestone bedrock dissolves over time due to water erosion, creating underground voids that can suddenly collapse and pull the surface down. Florida’s karst terrain makes the state highly susceptible to sinkholes.
These events can be expensive. According to the Insurance Information Institute, the average Florida sinkhole claim in 2020 exceeded $140,000. Hundreds of claims are still filed each year.
It’s important to know the differences:
Understanding these distinctions helps you know what your policy covers.
Most standard homeowners policies exclude sinkhole damage under “earth movement.” In Florida, however, insurers are required to offer optional sinkhole coverage. CGCC coverage is automatically included but only applies to extreme cases.
At Security First Insurance, all homeowners policies include CGCC. Optional Sinkhole coverage is available on most policy types (except renters/HO4). To qualify, you’ll complete a sinkhole inspection with SDII, a third-party inspection company. The best part? Your eligibility isn’t tied to your zip code.
Sinkholes don’t always appear overnight. Watch for:
If you notice any of these, call a structural engineer or geologist immediately. Acting early can save significant repair costs.
Here’s what you can do today:
For more information, visit the Florida Department of Environmental Protection’s Sinkhole FAQ page.
Have questions about your current coverage or want to explore your options? Call us at 877-333-9992 or contact your insurance agent. If you’re looking for a homeowners policy that includes CGCC coverage with optional sinkhole protection, we’re here to help. Get a free quote today.
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