Sinkhole Damage Claims

The most damage from sinkholes occurs in Florida, Texas, Alabama, Missouri, Kentucky, Tennessee, and Pennsylvania, according to the U.S. Geological Survey. In particular, Florida’s limestone terrain makes this state one of the most common places for sinkhole damage claims. Sinkholes are the result of the natural process of erosion developing within hundreds of feet below the surface. This phenomenon occurs naturally by the collapse of the surface layer that has been formed under pressure, typically from a range of extreme droughts or rains, and at times activities from humans have been accounted for as contributing factors.

One example of sinkhole damage took place in March of 2013. That event caused an entire house to fall into a huge sinkhole in a suburb of Tampa, Florida, receiving national attention. Although such large, sudden and destructive sinkholes are relatively rare, thousands of small sinkholes appear in the U.S. each year. As a matter of fact, from September 2017, when Hurricane Irma made landfall, through April 2018, there were over 400 reports of sinkholes throughout the State of Florida.

In the State of Florida, sinkhole damage claims must be filed within a two-year period after they occur.

Get in touch with our team today!

How ILG Can Help You

The Property Claim Attorneys at the Insurance Litigation Group (ILG) has handled Sinkhole Damage Claims in Florida for almost 2 decades and have helped policyholders recover what is rightfully owed to them. We know exactly what to look for and how to help you get the best result from your insurance claim. Even if your claim has been denied or underpaid, our Property Claim Attorneys can help you pursue your maximum financial recovery available from your insurance company. Contact us today to schedule your free consultation

  • We will be with you from the very start, explaining the terms of your policy and walking you through the claims process
  • We will conduct a home or business premises inspection, including taking photos of the damage
  • We will  help you properly document and present your sinkhole damage insurance claim
  • We will file your claim and/or proof of loss statement
  • We will represent you at any examination under oath and recorded statement
  • We will aggressively negotiate and advocate settlements on your behalf
  • We will institute litigation and pursue it aggressively through trial, if necessary to obtain the benefits you are entitled to
  • We will meet and exceed your goals and objectives
  • And much more!

We offer all of our clients:

  • Free claim review
  • Free consultation

And at ILG we do not get paid until you get paid!

Are Sinkholes Covered in my Homeowner’s Insurance?

Typical homeowners’ insurance policies do not happen to cover sinkhole damage claims or other earth movement types of claims. However, in 2007, a new law mandated insurance companies in Florida to offer, at additional cost, sinkhole coverage in property owners’ policies & made catastrophic ground collapse mandatory. In other words, Florida insurance policies must contain coverage for catastrophic ground cover collapse, but not necessarily damage from a sinkhole. Thus, Floridians are advised to buy the optional sinkhole coverage (depending on where their property is located).

How to assess the full extent of your sinkhole damage?

Due to the nature of the type of damage, assessing the full extent of the sinkhole damage can be an involved process. Ranging from the roof integrity or the foundation sliding it can lead to an array of problems which can lead to other types of claims such as mold or even water damage which can go unnoticed leaving you out of thousands of dollars in repairs that aren’t reimbursed. That’s why the Property Claim Attorney’s at The Insurance Litigation Group are best equipped to handle your sinkhole damage claim to ensure you are entitled to the maximum payout from your insurance carrier. Even if your claim has been denied or underpaid, our Property Claim Attorneys can help you pursue your maximum financial recovery available from your insurance company. Contact us today to schedule your free consultation.


Possible signs a sinkhole is developing on your property:

  • Slanting or sinking of the property
  • Drywall separating from the ceiling and/or floors
  • Slope in floor
  • Cracks in ceiling, windows, door, and interior joints
  • Cracks in an outside block, stucco, concrete driveways, sidewalks, or pool decks
  • Windows and doors are hard to close properly
  • Depressions in yard or street
  • Circular patches of wilting plants
  • Sediment in your water
  • Leaning trees
  • Leaning fence posts

Our practice is statewide, and we have offices in Miami, Fort Pierce, Pensacola, Orlando, and Miramar Beach, Florida. Call ILG for sound advice and immediate assistance in your Florida Insurance Disputes.

What Our Clients Say

“We were so tired of non-returned phone calls from our insurance company. Their claim to having sent payment when they hadn’t was ridiculous. We had spent 6 months trying to resolve with no luck. We called Insurance Litigation Group and they resolved our claim simply and professionally.” 

G. Monin

“Thank you for your swift attention to my case.  Everything ran smoothly.  They gave me multiple options and always answered the phone!”

M. Close

“Excellent law firm if you are having trouble getting your Florida homeowners insurance company to pay your hurricane claim fairly. They have an excellent reputation in the panhandle and throughout Florida.” 

A. Fiske

“Best law firm to deal with Hurricane Michael  home insurance disputes. They understand how to maximize your insurance payout when dealing with insurance adjusters and claims departments. Highly recommend.”

I. Britton

“We hired ILG when our public adjuster could push no further with our insurance company to get our claim settled after Hurricane Michael and he advised us to file a lawsuit. We recently settled and received our final payment checks a couple of days ago. My husband and I are very pleased with the results. ILG did a great job for us. Thank God for people like this to help homeowners when insurance companies don’t want to pay out after a disaster! I highly recommend ILG.”

J. Moore

“I was very happy with the time and work that ILGpa did for me. Without their help I would not have the positive results that I received. Thank you so much for your help. I would recommend this group to anyone.”

M. Loranger

Our Offices

We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 7 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

By Appointment Only*

Contact Us

Contact us today about your situation so we can fight to get you paid. We can assist you in any coverage dispute, disagreement over liability or damages, or related matter.

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