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Sinkholes

by Nick Gromicko 
 
 
What are Sinkholes?
 
Sinkholes are ground-surface depressions that result when a subterranean void weakens support of the overlying earth. 
 

Why are Sinkholes a Concern for Inspectors?

  • They threaten water supplies by draining unfiltered water from streams, lakes and wetlands directly into aquifers.An enormous sinkhole opens up in Guatemala, swallowing buildings and killing several people
  • They kill and injure people. A person can be harmed when stepping into an existing sinkhole or when the ground beneath gives way during a sinkhole’s collapse.
  • Sinkholes can cause structural damage and instability under buildings, roads and bridges. Repairing them after collapse is expensive and requires specialized knowledge. The underlying cause of the sinkhole must be addressed first, or the repair may prove to be only temporary.

Formation

Sinkhole Warning Signs
 
Signs that indicate sinkhole formation, especially in regions where they are most likely to occur, should be interpreted by inspectors as a serious safety hazard.
 
In buildings, look for:

On the property, check for:

What to Do or Recommend If a Sinkhole is Observed or Suspected at a Property During an Inspection:

Sinkholes and Insurance

Florida law requires insurers to cover “catastrophic ground cover collapse,” which may or may not cover sinkholes, depending on the type and extent of the damage. Law in that state does, however, require insurers to offer optional coverage specifically for sinkholes. Coverage in other states varies.
 
 
In summary, sinkholes are rare in most places, but they can be very dangerous where they do occur.  Inspectors should learn how sinkholes are formed and how to spot them before they become dangerous, especially in prone areas.
 
 
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