In order to maintain it, the insured must notify the insurance company at the time of renewal. If you are like most insureds, you do not pour over your renewal notices, merely to determine if the insurance is the same as before. While moving from standard sinkhole coverage to catastrophic coverage will save you on premium, it will be a catastrophic loss if your home has a sinkhole. In order for this new coverage to be of any value, it must cause you home to become so badly damaged that it be condemned.
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