The article focused primarily on the changes in sinkhole laws the past several years and how sinkhole insurance coverage is no longer mandatory but now is an optional coverage. The article encourages homeowners to not take the less expensive road and run the risk of homeownership in Florida (especially Ocala) without sinkhole coverage.
Sometimes the website are designed to inform, persuade, or, honestly, confuse you about the issues, each for their own reason. Our purpose is to provide you the most balanced sinkhole information available, so that you can make informed decisions, whether you are attempting to determine whether to file a sinkhole claim, repair a sinkhole home, or determine whether to file a sinkhole lawsuit. This may be too much information for some, or too little for others, but we believe it suits most.
Essentially, the insurance company is taking a position that they want to cancel or â€œrescindâ€ your policy because you failed to provide information that you either knew they wanted, or should have known to disclose. Honestly, in my experience, these defenses are about as thin as they come. Not a defense I would make, when I represented insurance companies. Here are the issues you are dealing with, when an insurance claim asserts what is commonly referred to as an â€œMMRâ€ defense to your claim, which stands for â€œmaterial misrepresentationâ€ on the application.
Any suggestions on how to hire a public adjuster for my sinkhole claim, or should I hire a sinkhole attorney? There are reasons to do both. For purposes of this question, I would suggest you contact the Florida Association of Public Insurance Adjusters (FAPIA), who provides a good framework for people looking for these services.