Do I need Sinkhole Insurance in Massachusetts?
A sinkhole is an arcuate gap in the earth. They occur when the rain erodes the bedrock underground. When this happens, objects on the surface will sink into this newly formed home. It can affect your home, your car or your belongings. According to the US Geological Survey, about 35-40% of all land in the United States is sensitive to sinking holes! Even if sinkholes do not cross you regularly, they can still happen in places like Massachusetts! [1
A sinking hole is caused by water eroding the bedrock. The water can weaken or loosen the rock so that it becomes unstable and gives below the surface of the earth. It can be a natural event, or it can be human. Although it is a natural disaster, they are usually not covered by MA home insurance.
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Signs of a sinking hole
Sinkholes usually develop over a long period of time and may not be clear to most people. Some of the signs are often subtle and develop slowly. Since sinkholes are formed by shifts in the ground, these are warning signs you should keep an eye on. Here are a few signs that you should keep an eye on:
- Develop cracks around windows and doors
- Windows and doors are becoming increasingly difficult to open over ties
- Depression in your garden or areas around your home  Deep cracks in driveway, walkways, etc. around your home
- Unusual sediment in your water
If there are signs that a sinkhole is affecting your Massachusetts home, call a professional to help evaluate the situation . They can determine what type of damage has been done and what to do in the future. Although MA may not be a state known for sinkholes, there is always a possibility that they happen near you.
Do I need insurance for sinkholes?
While the probability of actually experiencing a sinkhole in the MA is low, the US Geological Survey has no concrete way to determine if there is one on your property. Due to their low incidence rate and extremely costly claims, most insurance companies do not include hull holes in their coverage. Although sinkholes in MA may not be the first danger that comes to mind, it is still important to be aware of the damage they can cause.
But some states, especially those where sinkholes are more common, offer an additional sinkhole policy. In Massachusetts, you can ask your agent if sinkhole insurance can be a supplement to an insurance policy. You can also have a professional come to your home to do an evaluation if you are worried about any injuries.
If you are worried about sinkholes affecting your property, ask your insurance agent for insurance for it! If a drop occurs in the MA and you have no insurance, you will not be reimbursed for your loss. Do not forget the coverage for your car too! Damage to your car from a sinking hole is likely to be covered under your comprehensive car insurance.
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Sink Hole Insurance in MA
While it It's unlikely that a sinking hole will occur in Massachusetts, it's not impossible. If this happens, it can cause serious damage to your home. You can always call in a specialist to assess the area around your home for potential drops. They will be able to tell you details about your property and sinkholes.
Another option is to get insurance. Consider examining coverage for sinkhole damage if you are concerned about it. It is unlikely that it will happen, but it is always best to be prepared. MA sinkhole insurance would probably be a supplement to your existing homeowners insurance. Your insurance agent is a good resource to ask about what the cover hole coverage would look like. You can ask them what type of coverage suits you and your family.
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