By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Partly. Every Florida homeowners policy includes catastrophic ground cover collapse coverage, which carriers are required to offer. It applies only to abrupt collapse, a depression visible to the naked eye, and structural damage that makes the building uninhabitable. Broader true sinkhole coverage, for gradual settlement and subsidence, is a separate, elective coverage you must buy.
Catastrophic ground cover collapse (CGCC)
This is included in every Florida HO policy. It covers:
- Abrupt collapse of the ground cover
- Depression in ground cover clearly visible to the naked eye
- Structural damage making the building uninhabitable
- Condemnation by government
True sinkhole loss coverage
This is the broader, elective coverage. It covers settlement and gradual subsidence that doesn't meet CGCC's strict criteria.
The Nature Coast reality
In high-sinkhole counties (Hernando, Pasco, Citrus), sinkhole coverage is increasingly hard and expensive to obtain.