Sinkhole Damage Claims
Structural cracks and settlement claims that carriers routinely deny.
Sinkhole and settlement claims are among the most technical and most disputed in Florida. Carriers order their own engineering reports that conveniently blame anything but a sinkhole, leaving homeowners with cracked walls and a denial.
We know how to challenge insurer engineering, secure independent testing, and pursue the subsurface investigation and repair funding your policy provides.
Sinkhole claims we handle
- Structural & foundation cracking
- Floor & wall settlement
- Insurer engineering disputes
- Independent testing coordination
- Subsurface repair (grouting/underpinning)
- Denied & underpaid sinkhole claims
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
The insurer's engineer says my damage isn't sinkhole activity. Now what?
Carrier-hired engineering firms deny far more sinkhole claims than independent testing supports. You have the right to challenge those findings with independent subsurface testing — SPT borings, GPR surveys — and to invoke the dispute mechanisms in your policy.
What's the difference between sinkhole coverage and catastrophic ground cover collapse?
In Florida, catastrophic ground cover collapse is included in standard policies but requires severe, sudden conditions. Broader sinkhole-loss coverage is an optional endorsement. Which one you carry dramatically changes the claim strategy — we start by reading exactly what your policy provides.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.