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Miami Sinkholes And Your Insurance Claims

Written by admin on March 9, 2023 at 5:18 PM.

Sinkholes are a common natural occurrence in Florida, and Miami is no exception. These sudden depressions in the ground can cause significant damage to properties, leaving homeowners in distress. Unfortunately, the cost of repairing sinkhole damage can be exorbitant, which is where homeowners insurance comes in. This article will delve into Miami sinkholes and the property insurance claims homeowners can make to cover the cost of sinkhole damage repairs. We will explore the specifics of sinkhole claims, what they cover, and how to file them. As expert public adjusters, we understand the intricacies of sinkhole claims and the nuances of Miami sinkholes. So, whether you’re a homeowner dealing with sinkhole damage or a business owner dealing with one, this article will provide valuable insight into sinkhole claims and homeowners insurance in Miami.

Types of Sinkholes in Miami

Sinkholes are a common occurrence in Florida due to the state’s geological composition. Florida is built on top of a porous limestone bedrock that is prone to dissolution, erosion, and collapse. These geological processes can result in the formation of sinkholes, which can vary in size and shape. Here, we will explore the types of sinkholes that most commonly occur in Florida.

  • Solution Sinkholes:

The most common type of sinkhole found in Florida is a solution sinkhole. These sinkholes form when the limestone bedrock dissolves, creating a cavity or void underground. As water flows through the soil and into the cavity, it gradually erodes the surrounding bedrock, causing the ground above to collapse. Solution sinkholes can be small or large and are typically circular or oval.

  • Cover-Subsidence Sinkholes:

Another type of sinkhole that occurs in Florida is a cover-subsidence sinkhole. These sinkholes form when the soil above a limestone bedrock layer slowly settles and compresses, creating a depression in the ground. Over a period of time, this depression can grow and deepen, eventually resulting in a sinkhole. Cover-subsidence sinkholes are usually shallower than solution sinkholes and can have irregular shapes.

  • Cover-Collapse Sinkholes:

Collapse sinkholes are the most dangerous and destructive type of sinkhole found in Florida. These sinkholes form suddenly when the roof of an underground cavity or void collapses, causing the ground above to cave in. Collapse sinkholes can occur without warning and be extremely deep and wide, causing severe damage to buildings and infrastructure.

  • Man-made Sinkholes:

Man-made sinkholes are another type of sinkhole that can occur in Florida. These sinkholes are typically the result of human activities such as mining, drilling, or construction. When the ground is disturbed, it can destabilize the surrounding soil and cause a sinkhole to form.

What Hazards Do Florida Sink Holes Present?

Florida sinkholes pose significant hazards to homeowners, with the potential for physical and structural damage to your private property. As a property owner in Florida, it is crucial to be aware of the biggest risks associated with sinkholes and to take measures to mitigate them. Here, we will explore the hazards that Florida sinkholes present to homeowners.

  • Structural Damage:

Sinkholes can cause significant structural damage to homes and buildings. The sudden collapse of the ground can cause foundations to shift or crack, making walls, floors, and roofs unstable. This can lead to costly repairs and even render the building uninhabitable.

  • Physical Damage:

In addition to structural damage, sinkholes can cause physical damage to property. Large sinkholes can swallow cars, trees, and other objects, causing significant damage to personal property. This can result in costly repairs or replacement of items lost in the sinkhole.

  • Safety Risks:

Sinkholes also present safety risks to homeowners. A sinkhole can appear suddenly and without warning, posing a threat to anyone in the vicinity. Large sinkholes can also create hazardous conditions for emergency responders and repair crews.

What To Do If Sinkhole Coverage Is Not Included in My Homeowners Insurance Policy?

If your standard homeowners policy doesn’t offer sinkhole coverage, it’s crucial to explore your options for obtaining this type of coverage. Fortunately, several options are available to homeowners in Florida who want to protect themselves against sinkhole damage.

  • Contact Your Insurance Company:

The first step is to contact your insurance company to confirm that your policy does not offer sinkhole coverage. If it does not, ask if they offer sinkhole coverage as an optional endorsement to your policy. Suppose they don’t; ask if they can recommend an insurance company that does offer this type of coverage.

  • Purchase Additional Insurance Coverage:

If your insurance company does not offer sinkhole coverage, you can purchase an additional policy from a different company. Many insurance companies in Florida offer sinkhole coverage as an optional add-on to their policies. Be prepared to pay an additional premium for this coverage.

  • Florida Catastrophic Ground Cover Collapse Laws:

In Florida, insurance providers must offer coverage for catastrophic ground cover collapse. This coverage is automatically included in all homeowners insurance policies and provides protection against sinkhole damage caused by a sudden collapse of the ground. However, this coverage is limited to specific circumstances, such as the sudden collapse of the ground cover that results in structural damage to the building and necessitates its condemnation.

It’s important to note that catastrophic ground cover collapse coverage differs from sinkhole coverage. Catastrophic ground cover collapse coverage only applies in very limited circumstances. In contrast, sinkhole coverage is more comprehensive and can cover a wider range of property damage. If your property is a sinkhole risk, it is important to understand your policy limits and contact your insurance provider today.

Dealing With A Miami Sinkholes Insurance Claim? Call A Public Adjuster Today!

Miami sinkholes can pose a significant risk to homeowners and can result in an abrupt collapse that can cause serious damage and financial burden. As experienced insurance adjusters, Stellar Public Adjusters is here to help. We have years of experience in handling sinkhole claims and have a team of experts who can provide you with the assistance you need to navigate the complex process of filing a claim. Or worse, help you if your claim is denied.

Our team of adjusters will conduct a thorough inspection of your property to determine the extent of the damage caused by the sinkhole. We will then work with your insurance company to ensure that you receive the maximum compensation you are entitled to under your policy. Our goal is to take the burden of dealing with insurance companies off your shoulders, so you can focus on getting your life back to normal.

If you have filed a claim for property damage due to Miami sinkholes, don’t hesitate to contact Stellar Public Adjusters. We are here to help you every step of the way and ensure that you receive the compensation you need to repair your property and move forward. Contact us today to schedule a free consultation and learn more about how we can assist you with your sinkhole claim.

Give us a call at 877-838-6870 and we’ll get you in touch with your dedicated claim representative. We’re open 24 hours, 7 days a week, and are ready to assist you.

What Clients Are Saying About Us


Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

Philip O.

Nicholas P., Miami Beach, FL

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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