Sinkholes are a common concern in Florida. If you live in Polk County, FL, you’ve likely heard numerous horror stories about sinkholes. They’re not rare. They’re everywhere. Central Florida’s limestone bedrock, combined with frequent heavy rainfall and ongoing development, makes the region especially prone to the formation of caves or other underground voids. For homeowners, this isn’t just unsettling; it’s a reminder to understand how your insurance responds when the ground beneath you suddenly gives way.

Why Are Sinkholes a Serious Concern?

Unlike a fallen tree or a leaky roof, a sinkhole is invisible and unpredictable. One moment, your yard looks perfectly fine; the next, you’re staring at a 60-foot hole in the middle of your driveway. While Florida law requires insurers to include “catastrophic ground cover collapse” protection, this doesn’t mean your home and property are covered for every scenario. It’s essential to review the details of your policy. At The Isom Insurance Group, we help Polk County, FL, homeowners understand what’s covered and what’s not—before it’s too late.

Common Coverage Gaps That Surprise Homeowners

Many homeowners mistakenly believe their standard home insurance covers sinkhole-related damage. However, coverage often applies only under specific and narrowly defined conditions. If smaller ground shifts or structural damage don’t meet the required threshold, you may be left unprotected. These gray areas often catch families off guard. Reviewing your policy and understanding the critical coverage it provides is more than just paperwork—it’s essential protection for your home and family.

Signs You Shouldn’t Ignore

Pay attention to early warning signs such as cracks in walls, doors that suddenly misalign, or dips in your yard that weren’t there before. If you notice these issues, take immediate action. Don’t wait until your home collapses to ask the right questions. At The Isom Insurance Group, we work with you to ensure your policies address real-world risks, including sinkholes.

Want to confirm your home is covered for damage caused by sinkholes and other “catastrophic ground collapses”? Reach out today. Together, we’ll make sure your family and home are protected from what lies beneath.