What is an Insurance Claim Based on Building Collapse?

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

Florida Statute § 627.706 makes it a requirement for every insurer authorized to sell property insurance to provide coverage for catastrophic ground collapse.

§ 627.706(2)(a) defines catastrophic ground collapse as follows:

(a) “Catastrophic ground cover collapse” means geological activity that results in all the following:

        1. The abrupt collapse of the ground cover;

        2. A depression in the ground cover clearly visible to the naked eye;

        3. Structural damage to the covered building, including the foundation; and

        4. The insured structure being condemned and ordered to be vacated by the governmental agency authorized by law to issue such an order for that structure.

Catastrophic ground collapse does not always include the cracking of a foundation, structure, or building. 

You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at[email protected].

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