If the repair from the sinkhole damage claim was made within the past 5 years, you may have some recourse.
Prior to contacting your Insurer, you may wish to consult with your Agent or an Attorney who specifically handles Property Insurance Claims or in this case – a sinkhole damage claim. There are many pitfalls and hazards for Insureds making claims these days and you should be aware of your rights prior to making another claim.
Chances are that you do not currently have sinkhole coverage because it was either not offered to you or the cost was prohibitive if it was even available.
If you followed all requirements of your insurer during the repair, you may be able to reopen the claim as a failed or insufficient repair. Each claim is fact specific so it is important to speak with a professional before proceeding with any action unless the damage is catastrophic.
If a hole opens up or another catastrophic event occurs, get your family to safety and contact authorities and your insurance company. Even if you do not have sinkhole insurance currently, you may have coverage under specific language in the “catastrophic ground cover collapse” coverage included in most policies.
When repairs are completed for a sinkhole damage claim, it is important to pay close attention to any new damage from sinkhole reoccurence. If you notice cracking or other signs within 5 years of the repair, you may have coverage.
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