Florida Sinkhole Claims

Florida Sinkhole Claims: What Homeowners Need to Know

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JOSEPH AARON SOIFER

Principal Adjuster/CEO

When hurricanes strike Florida, the damage can be devastating, and navigating your insurance claim can be just as overwhelming. At Your Claim Hero, we fight to make sure homeowners get every dollar they deserve. This guide walks you through what to do before, during, and after a hurricane claim so that you can recover faster and with less stress.Β 

How Florida Law Defines a Sinkhole

Under Florida Statute 627.706, a sinkhole is a landform created by subsidence of soil, sediment, or rock caused by the dissolution of limestone or similar rock. These matters are because your claim must meet the legal definition for coverage to apply.

The Neutral Evaluation Process

Florida’s Neutral Evaluation Program allows an independent geologist or engineers to review disputed sinkhole claims.

  • Either party can request it.
  • The neutral evaluator’s findings are non-binding but carry weight.
  • A public adjuster can help prepare evidence for this process.

Filing Deadlines & Evidence Needed

  • Report suspected sinkhole activity immediately.Β 
  • Provide photos, engineer reports, and neighbor statements if possible.Β 
  • Keep records of all repairs and costs.Β 

Real Florida Case Example

A Hernando County homeowner’s initial offer was $22,000, far less than the $65,000 needed for repairs. After hiring Your Claim Hero, we presented additional engineering reports and negotiated a settlement covering complete remediation.

Why Work with a Public Adjuster

  • We speak the insurance company’s language.
  • We coordinate with engineers and geologists.
  • We negotiate aggressively for fair payouts.

Frequently Asked Questions

What is neutral evaluation in Florida sinkhole claims?

Neutral evaluation is a state-run program where an independent geologist or engineer reviews a disputed sinkhole claim. Either the homeowner or insurance company can request it. While the evaluator’s decision isn’t legally binding, their findings carry significant weight and often help resolve claim disagreements.

In Florida, homeowners generally must file a sinkhole insurance claim within two years from the date they first noticed the sinkhole damage or signs of subsidence. It’s important to report any suspected sinkhole activity as soon as possible, since delays can hurt your chances of getting coverage.

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