In Florida, the law regarding sinkhole claims has been revised several times in the past few years, including changes in 2007. Danahy & Murray can advise you on the version of law which applies to your claim and how the law effects your rights.
Sinkholes occur when ground water erodes the limestone beneath the ground. Most people think of sinkholes as large holes that form where the land gives way and sinks into the earth. However, the reality is that most damage from a sinkhole developes gradually, causing ever increasing damage to a house or other building.
Sometimes a property owner will notice changes that may indicate a potential sinkhole. These changes include:
• Cracking of foundations
• Cracking around door and window frames
• Windows or doors that do not close properly
• Cracks in walls
• Depressions in yard or driveway
• Tilting or sinking of a section of a floor
• Separation of walls from ceiling or floors
• Separation of house from foundation
• Pipes breaking or swimming pool leaks
• Tree roots that are exposed that were not before
• Fence posts that start sagging or slanting
To properly prepare a sinkhole claim, review the following:
1. Photograph the damage.
2. Do not completely repair the damage, but do enough to prevent further damage.
3. Report the damages to your insurance agent/agency as soon as possible.
4. Save receipts that reflect any work that you’ve had done in an attempt to fix the problems.
5. Prepare for the insurance company’s claims adjuster’s visit and inspection of your property. Make sure that you have an extra copy of all documents involved in the claim, including receipts and photographs.
6. Document your claim and keep notes on the starts of your claim when you speak to your insurance agency.
7. Work with others, such as neighbors, who may have had the same problem and have reports or documentation of such problems. This can be used by your attorney to help win your case.
8. Find or request a copy of your insurance policy from your agent or your insurance company.
| 
