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Buy Sell Sinkhole Houses.

Sell us your unrepaired sinkhole house.

We buy sinkhole houses in Florida.

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Sinkhole Lawyer vs. Insurance Company.

Can Hiring a Sinkhole Lawyer Help You Settle Your Sinkhole Claim?

If you are a homeowner who has noticed some strange cracking in the wall, floors, or ceilings then you have either called your insurance agent about the damage, or you have found this website in hopes of finding information that will assist you with the proper course of action. (lawyer )

What to Expect from Your Insurance Agent if You Suspect You Have Sinkholes Damage

Your insurance company is required by law to cover the damage related to sinkhole activity. They get a sinkhole engineering company to do some sinkhole testing on the property. If the sink hole engineering company finds sink hole activity, the insurance company will then get sinkhole repair estimates. Most of the time, the sink hole repairs require Grouting and/or Underpinning. This is a costly and messy process. Florida statute 627.7073 is written as follows:

Florida Chapter 627

Sinkhole reports

(1)  Upon completion of testing as provided in s. 627.7072, the professional engineer or professional geologist shall issue a report and certification to the insurer and the policyholder as provided in this section.

(a)  Sinkhole loss is verified if, based upon tests performed in accordance with s. 627.7072, a professional engineer or a professional geologist issues a written report and certification stating:

1.  That the cause of the actual physical and structural damage is sinkhole activity within a reasonable professional probability.

2.  That the analyses conducted were of sufficient scope to identify sinkholes activity as the cause of damage within a reasonable professional probability.

3.  A description of the tests performed.

4.  A recommendation by the professional engineer of methods for stabilizing the land and building and for making repairs to the foundation.

(b)  If sinkhole activity is eliminated as the cause of damage to the structure, the professional engineer or professional geologist shall issue a written report and certification to the policyholder and the insurer stating:

1.  That the cause of the damage is not sinkholes activity within a reasonable professional probability.

2.  That the analyses and tests conducted were of sufficient scope to eliminate sinkholes activity as the cause of damage within a reasonable professional probability.

3.  A statement of the cause of the damage within a reasonable professional probability.

4.  A description of the tests performed.

(c)  The respective findings, opinions, and recommendations of the professional engineer or professional geologist as to the cause of distress to the property and the findings, opinions, and recommendations of the professional engineer as to land and building stabilization and foundation repair shall be presumed correct.

(2)(a)  Any insurer that has paid a claim for a sinkhole loss shall file a copy of the report and certification, prepared pursuant to subsection (1), including the legal description of the real property and the name of the property owner, with the county clerk of court, who shall record the report and certification. The insurer shall bear the cost of filing and recording the report and certification. There shall be no cause of action or liability against an insurer for compliance with this section. The recording of the report and certification does not:

1.  Constitute a lien, encumbrance, or restriction on the title to the real property or constitute a defect in the title to the real property;

2.  Create any cause of action or liability against any grantor of the real property for breach of any warranty of good title or warranty against encumbrances; or

3.  Create any cause of action or liability against any title insurer that insures the title to the real property.

(b)  The seller of real property upon which a sinkhole claim has been made by the seller and paid by the insurer shall disclose to the buyer of such property that a claim has been paid and whether or not the full amount of the proceeds were used to repair the sink hole damage.

If the engineering company finds no activity, the insurance company will probably deny your claim. A sinkhole lawyer has experts who can review the engineering report to make sure the proper tests were conducted. A Florida sinkhole lawyer has experts who are very good at finding sinkhole activity when the insurance company is unable to find it.

When is a Good time to Hire a Florida Sinkhole Lawyer?

A Florida sinkhole lawyer can help the owner of the home with the entire process, from explaining your rights under Florida Law with regards to your sinkhole claim. From filing the initial claim to final settlement, a reputable sinkhole lawyer can alleviate much of the confusion and protect you, the homeowner of a sinkhole damaged property. If you are a victim of a sinkholes it's safe to assume that your life has been turned upside down and allowing professionals experienced in this type of loss can ensure any future loss or devastation. Further, a sinkhole lawyer can many times get you more money than if you were dealing with the insurance company independently.

Keep in mind that negotiating a sinkhole claim with your insurance company while ensuring your rights under Florida Statutes can be challenging and often homeowners feel railroaded into accepting settlements that are not in their best interest. Hiring a Florida sinkhole lawyer can help you through these issues. If you are unsure of who to choose or what to do, please contact me and I will guide you in the right direction. You have nothing to loss by not talking to a Florida Lawyer.

When is a Good Time to Sell Your Sinkhole Damaged Home?

Once sink hole activity is found you have what is called a “sink hole home” . The home is now called a stigmatized property. This means it is not worth as much as a home that has never had any problems. After you receive your settlement, I can buy your house that has had sinkholes damaged. If you are reading this information, now is the time to call me. I will recommend to you the appropriate steps to take to protect you and your property from any future loss. Once again, many times homes that have been repaired will continue to often suffer subsequent sinkhole damage. Selling your sinkholes home and buying a new home can give you peace of mind you want. Even after homeowners have repaired their sinkhole damaged homes, many never get over the fear of subsequent sinkholes activity and dangerous conditions that may result from sinkholes. Florida

When should you get an Sinkhole lawyer?

We recommend calling a sinkhole lawyer after the insurance company makes you a settlement offer. If the insurance company agrees to pay you the limits of the policy their is no reason to get a sinkhole lawyer involved. If they do not or deny your claim. Then you need someone with a little more experience on your side. Hiring an sinkhole lawyer can help you get more money out of an insurance settlement than you would be able to get on your own. Remember, that the insurance company has lawyers on retainer and their goal is to get away with paying the least amount of money. Having your own lawyer will guarantee that the amount they pay is within the legal guidelines. Some insurance companies will even go as far as admit there is a sinkhole but try to settle for less money than the cost of damages. A quality sinkhole lawyer will fight for you.

Despite the law, some insurance companies will try to refuse to pay claims as a course of business. A qualified sinkhole lawyer can explain your rights to you and go nose to nose with the insurance company. An experienced sinkhole lawyer will have the engineering tests re-read and additional tests performed. Once the sinkhole is found and documented, the attorney can file an appeal with the insurance company, as allowed within the law. At this point, the insurance company will be forced either to accept your claim (and process a settlement) or prove to a judge that their claim denial is correct.

Insurance companies will also try to force you into cheaper repair options (that ultimately are not good for your property) and goad you into using cheap, unqualified contractors. A decent sinkhole lawyer will clarify for you your repair choices and force your insurance company to fund all the repair needs. Sinkhole attorneys will also refer you to the best contractors for you. An experienced contractor will be knowledgeable of sinkhole damage and will be able to uncover hidden damage from a sinkhole, thus preventing costly repairs in the future.

For the insurance company, it is a game. For you, it is the center of your life: your home. That is why you need an attorney who knows the rules of the game to champion your cause. An Lawyer can get you more money from your insurance claim than if you tried to negotiate it alone. Not only can an Lawyer force a claim to go through, but he can help you clarify your repair choices and help you find the best contractor to meet your needs.

Florida Sinkholes, Sinkhole Homes, Lawyers and Insurance Companies

Insurance companies (often with the help of a good Florida sinkhole lawyer) will pay off a homeowner's insurance policy to the limits of the policy. It is cheaper for them to do that then to repair the damaged sinkhole house than to risk more expense after the repairs are completed. Many times the house that has incurred damage from a sinkhole will continue to shift and crack after the sinkhole repair has been done. This may be due to the pressure underground and due to an excess of concrete that was pumped under the damaged sinkhole house. If you have received a settlement from the insurance company and your damaged sinkhole home is located in Pasco, Pinellas, Pasco or Hernando County, please let me know.

Sinkhole Lawyers vs. Insurance Company

If you feel that your insurance company is not living up to their obligations, please contact me. Many insurance companies are failing to honor submitted claims for Florida sinkhole damaged homes stating that the damage is due to soil settling, (not covered by insurance) and not due to a "valid" Florida sinkhole. The insurance company will often hire engineers that make determinations favorable to their best interest and unfavorable to the homeowner that is living the nightmare of property damage caused by a Florida sinkhole. The last thing a homeowner needs is to be taken advantage of and it is possible that a reputable Florida sinkhole attorney can get you more money for your sinkhole damaged home.

The Florida legislature and Governor Rick Scott have changed the sinkhole laws due to the insistence of Florida Insurance companies. This article was written before the changes were made. If you have a new sinkhole problem you may be out of luck. Contact your insurance company to see if you have sinkhole coverage. We continue to buy unrepaired sinkhole homes in Florida.

Buy Sell Sinkhole Houses.

Sell us your unrepaired sinkhole house.

We buy sinkhole houses in Florida.

(813) 545 5263

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