Start Your Florida Sinkhole Damage Insurance Claims With a Free Consultation Today!
No Upfront Fees · 95% Success Rate
Start Your Florida Sinkhole Damage Insurance Claims With a Free Consultation Today!
No Upfront Fees · 95% Success Rate
Sinkholes are a structural, geological, and financial threat that affects thousands of homes across the state of Florida each year. The unique limestone foundation of the area, combined with its groundwater movement and soil composition, creates the perfect conditions for sinkhole formation. What begins as a subtle floor crack or a barely noticeable depression in the yard can rapidly turn into significant structural instability.
At PICC FLA, our licensed sinkhole adjusters help homeowners and business owners navigate the highly technical and legally complicated process of filing a sinkhole damage insurance claim in Florida. We inspect, document, prepare, and negotiate your claim from the ground up, literally and figuratively. There are no upfront fees, and we follow a no recovery, no fee policy.
Whether you’re facing structural displacement, wall separation, slab fractures, or visible land subsidence, our team brings decades of experience, advanced inspection equipment, and a deep understanding of Florida sinkhole law to secure the maximum payout for your loss.
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When structural movement appears in your residential or business property, insurers often default to the easiest narrative: “Normal settlement.” But sinkhole damage can be progressive, dangerous, and costly. And under Florida law, you are entitled to compensation when geological activity causes structural damage to your home or business.
Florida Statute §627.706 outlines two forms of coverage:
Insurance companies frequently use the nuances within these statutes to deny or minimize claims. They may delay geological testing or reinterpret structural symptoms in ways that avoid coverage.
At PICC FLA, we push back with evidence, statutory interpretation, structural analysis, and an on-site analysis report. Our adjusters personally examine your property and identify the structural patterns that reveal true sinkhole activity. More importantly, our lower fee structure (10–20%, compared to attorney fees of 40%) means more of your settlement stays with you.
PICC Fla is BBB A+ accredited, a member of NAPIA and FAPIA, and trusted across Florida for handling complex geological and structural claims with integrity, indisputable evidence, and advocacy.
And because our fee ranges from 10–20% of your final settlement (compared to attorneys who charge 40% or more), you get to keep significantly more of your recovery.
Don’t hesitate. Call us today!
Sinkhole claims rank among the most technical claims in Florida property insurance. This is because they require geological testing, engineering evaluations, compliance with Florida Statute, and alignment with building-code definitions of “structural damage.”
When you attempt to file alone or rely on an attorney who may never visit your property, know you’re putting your property damage claim case at great risk.
On the contrary, if you handle your case with a public adjusting firm like PICC Fla, you get:
Attorneys often charge up to 40% of your final settlement. We charge only 10–20%, depending on how complex your case is. That means you keep up to 30% more of your compensation for repair and restoration projects. And if we don’t win your case, you owe us nothing.
Attorneys rarely visit the property themselves. But we do. We visit your property personally, using advanced equipment and employing sophisticated inspection methods to detect all damage. At the end, we compile engineering reports to challenge inaccuracies or incomplete conclusions.
We have more than 3o years of experience in identifying loss or damage patterns that align with Florida Building Code (FBC) structural definitions, including:
Before filing an insurance claim, we evaluate your insurance policy for free to help you understand coverage, exclusions, and replacement cost clauses. Then, having gathered all necessary evidence, we prepare a claim that integrates geological findings with statutory language to establish qualifying sinkhole activity.
The difference is plain and simple: attorneys understand legal arguments, public adjusters serve the insurer. PICC FLA understands you, your damage, and how to secure the full payout you deserve.
Get in touch today or book your free inspection online.
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Sinkhole insurance claims are heavily contested because they involve multiple categories of evidence. Some of them are the following:
Insurance companies frequently try to minimize sinkhole damage by claiming that the cracks are merely cosmetic, insisting the structural movement is nothing more than normal settlement, or arguing that the damage does not meet Florida’s strict statutory threshold for sinkhole loss. It’s also possible that they may lean on an inconclusive engineering report or state that geological testing isn’t necessary at all.
Our role as your sinkhole adjusters, Florida team, is to eliminate these excuses. We gather strong geological evidence, perform structural mapping, analyze engineering inconsistencies, identify errors or gaps in the insurer’s reports, and build a case that forces insurers to comply with statutory obligations, honor your coverage for sinkhole damage, and pay what you are owed.
Sinkhole damage doesn’t always look dramatic. Most cases start as subtle changes:
Each and every one of these signs aligns with known geological subsidence patterns, and insurers often attempt to downplay them.
Sinkhole claims demand legally compliant testing, engineering evaluation, and strong structural documentation. PICC FLA manages every step with confidence.
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When it comes to sinkhole damage, most homeowners do not understand:
Our free claim review guarantees you claim everything the law entitles you to.
Florida’s karst landscape makes it one of the highest sinkhole-risk regions in the world. PICC FLA understands how Florida’s geology, statutes, engineering requirements, and insurance practices intersect.
Whether your sinkhole claim is new, underpaid, disputed, or denied, we will not stop until you get fully compensated to restore and stabilize your property.
Contact us to request more information or schedule a free inspection online.
The only way to know if you have a sinkhole is to conduct a sinkhole investigation using a qualified and reputable geotechnical engineering firm. Your insurance company will possibly pay the cost of the investigation.
You can dispute their figures. However, it will be difficult without your own fact-based assessment and estimates. One of the most significant benefits of hiring a public adjuster from PICC FLA is our expertise in preparing detailed loss assessments and damage estimates.
We Will Help You Get Paid With No Upfront Cost To You!
If You Don’t Get Paid, We Don’t Get Paid!