Sinkhole Insurance provided by Browne Insurance Services

Currently, there is no way to determine if there is a sinkhole on your property. But if you live in a high-risk sinkhole state, your house could be at risk. Talk to us to know more about the need for sinkhole insurance in your area.
What is Sinkhole Insurance?

Sinkhole insurance is a special insurance policy that covers your home and personal belongings from sinkhole damage. Sinkhole insurance also pays to stabilize your home’s land and covers the cost of repairing your foundation.

Many homeowners assume that their home insurance policy will cover sinkhole damage, but that is not always the case. Standard homeowners insurance policies usually do not include sinkhole coverage, although some open perils policies may include it.

What are the types of Sinkhole Coverages?

There are two main types of sinkhole insurance—sinkhole loss coverage and catastrophic ground collapse coverage. Here are the differences in coverage:

  • Sinkhole loss coverage: Sinkhole loss coverage is an insurance endorsement that typically covers man-made sinkholes, including those related to mining operations. It may or may not cover naturally occurring sinkholes.
  • Catastrophic ground collapse coverage: Catastrophic ground collapse coverage protects your home if it falls into a sinkhole, and the foundation is damaged beyond repair. To qualify for catastrophic ground collapse coverage, your home must be condemned by a local government agency.
Why is Sinkhole Insurance Important?

It is important to research your area and know whether or not you reside in a high-risk area that is prone to sinkholes and they pose a very real threat to homeowners. And because they are so erratic, it is best to prepare for the worst and ensure your home and belongings, especially if you live in an area that is prone to sinkholes. And if you do, get sinkhole insurance.

In the event that a sinkhole damages your home property and you need help with the hassle of dealing with Sinkhole Insurance, reach out to us.

Talk to us today to know more about Sinkhole insurance. 

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As an independent agency, Browne Insurance Services
Helps you find the right Sinkhole Insurance Coverage
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Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.
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