Under a law that went into effect in January, all people in Hernando County will automatically lose their coverage for sinkhole problems and have it replaced with catastrophic coverage. Suffice to say, the catastrophic coverage provide coverage only if your home literally, and I mean literally, falls into a hole. The reason this is unfair is that the vast majority of sinkhole claims do not involve damage of this nature. Instead, the home experiences subsidence, of varying degrees, but never “falls” into the hole.