Sinkhole Damage Insurance Claims Lawyer
Sinkholes are more common in Florida than many homeowners realize, especially in regions where limestone beneath the surface erodes over time. What starts as a small crack in your wall or a slight dip in the ground can quickly escalate into structural instability, foundation failure, or even a full collapse.
At Gelber Law Group, we understand how stressful and destructive sinkhole damage can be. Our team keeps homeowners informed every step of the way, investigates the true cause of the damage, and pushes back against insurance companies that try to deny or minimize claims.
Whether negotiating directly with the insurer or litigating in court, our attorneys are formidable advocates committed to securing the highest possible payout.
Do I Need a Lawyer for a Sinkhole Damage Claim?
Sinkhole damage claims are among the most complex property damage claims in Florida. Insurance companies frequently deny coverage without ordering proper geological testing, or they rely solely on incomplete subsurface investigations that fail to detect early sinkhole activity.
Hiring a lawyer can make the difference between a denied claim and a full payout. Gelber Law Group helps by:
- Coordinating independent geological inspections
- Challenging insufficient engineering reports
- Holding the insurer accountable to Florida’s sinkhole claim regulations
- Helping ensure repairs meet required stabilization standards
- Managing communication so homeowners are never left in the dark
You deserve a legal team that understands both the science behind sinkhole activity and the tactics insurers use to avoid paying. That is exactly what we deliver.
Why Was My Sinkhole Insurance Claim Denied?
Insurers often deny sinkhole claims, even when the evidence is clear.
Common reasons your sinkhole insurance claim may have been denied include:
- Claiming “settling” or “shifting soil” instead of sinkhole activity
- Insufficient testing by the insurance company’s engineer
- Failure to meet the statutory definition of “sinkhole loss”
- Blaming preexisting conditions, poor construction, or aging materials
- Classifying the damage as cosmetic rather than structural
These denials often occur before the insurer conducts the thorough geological testing required under Florida law. Gelber Law Group challenges improper denials, demands full testing and documentation, and fights to ensure your insurer cannot walk away from its obligations.
Common Signs of Sinkhole Damage
Early detection is critical.
Many homeowners do not realize that subtle changes in their home may indicate underground sinkhole activity.
Common warning signs include:
- Cracks in walls, ceilings, or tile floors
- Doors or windows that suddenly jam or no longer close properly
- Sagging or uneven floors
- Depressions or sinking areas in your yard
- Separation between walls and ceilings
- Sudden foundation cracks or structural shifting
- Water pooling in unusual areas of your property
If you notice any of these signs, contact Gelber Law Group immediately for a free policy review and help initiating or disputing a claim.
Will My Insurance Company Pay for My Sinkhole Damage?
Florida law requires insurance companies to provide catastrophic ground cover collapse (CGCC) coverage in all homeowners policies. However, CGCC only applies when four strict criteria are met, which often means homeowners must purchase a separate sinkhole endorsement for broader protection.
Insurance companies frequently attempt to avoid paying for sinkhole losses by:
- Minimizing the severity of structural damage
- Claiming the damage does not meet CGCC thresholds
- Relying on limited testing instead of ordering a full subsurface investigation
- Arguing that the damage is due to aging, not sinkhole activity
Our legal team reviews your policy line by line, identifies all possible avenues for coverage, and fights for full compensation for stabilization, repair, and cosmetic restoration.
Discover if You Have a Valid Sinkhole Damage Insurance Claim
If you believe your home is experiencing sinkhole activity or your claim was denied, contact Gelber Law Group immediately. Accurate testing, strong documentation, and strategic legal action are key to protecting your home and your financial future.
Call Gelber Law Group at (954) 320-0100.
Sinkhole Damage Claims in Florida FAQs
Can I dispute a denial if the insurer’s engineer says there is no sinkhole?
Yes. Homeowners have the right to independent testing. Gelber Law Group can coordinate a neutral evaluation and challenge flawed or incomplete engineering reports.
Will my insurance rates increase if I file a sinkhole claim?
Not necessarily. Rate increases depend on your insurer and policy type. What matters most is protecting your property and financial security.
What if my insurer only pays for cosmetic repairs, but the structural issues remain?
Insurers must pay for necessary stabilization if sinkhole activity is confirmed. Gelber Law Group ensures the insurer does not cut corners on essential repairs.