Q: My home has just been grouted for the second time. 8 years ago we had a major sinkhole 73 trucks of concrete. 8 years later the engineers were NOT able to find any traces of concrete under my home. How do you lose 650 cubic yards of concrete? common application essays This is a great…
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If my insurance company paid to grout my house, how can I still have ongoing sinkhole activity? ilustrator cs5 This is a common issue we face and could be the result of numerous individual issues or several of these issues working together. The first issue is that grout alone will never guaranty that sinkhole activity…
The existence of and repair to an adjacent home for sinkhole damage is one of the more the dimensional issues when it comes to sinkhole claims. This is because there are two issues in this question, one of which relates to your own sinkhole insurance policy, and the other, which arise from your neighborâ€™s sinkhole insurance policy.
Because the energy behind sinkholes is water, the rise and fall of the water table often causes additional activity. As the water washes over limestone, it increases the dissolution of the rock and continues to move soil away from the location. By so doing, the limestone is more like to sink or move. During seasonal changes, the action of water then causes more of settlement.
Next suggestion: always raise your concerns with the insurance company in writing, both to your claims adjuster and your insurance agent. Many times, insurance claim representatives have a difficult time separating what is a â€œproblemâ€ versus what is just common frustrations of an insured. If you submit your concerns in writing, and tell them exactly what you want them to do, it makes it clear you have defined your expectations. That way, you will both know if the issue has been resolved.
The larger the building or lot, the more testing is required. If you have a condominium complex where a sinkhole investigation is being completed, the investigation should relate in some way to the size of the building. Ordinarily, most engineering firms will conduct 3 standard penetration tests on a standard home site. Using this as a baseline, while not an exact comparison, I would expect a larger condo property to have considerably more borings on the property.
If you have cracks in your stucco due to sinkhole settlement, you can get paid for it. You cannot also submit this same damage for payment under the hurricane claim. However, sinkhole repairs are unique, and could be paid for subsurface repairs under a different set of coverage limits. Suffice to say, these claims are complicated, but do happen regularly.
It is common for insureds to get caught between insurance companies and construction companies in these situations. We frequently see homeowners who battle with the contractors for years (with no success), only to find out the home had actually be built on a sinkhole prone area. While this may seem unfair, it is not. The insurance company can actually sue the construction company in a claim associated with recovering any payments made to you. This is referred to as â€œsubrogation,â€ and is a part of the insurance process.
Hundreds of homeowners faced residual issues with dry wells or activated sinkholes during the freezes of 2008-2010. The district and advisory board seem to want to walk the thin line between harming the local farming industry by taking away their ability to protect their crops and dealing with the resultant dry wells and sinkholes as they have for the past two winters.