Blog Detail

Does Sinkhole Insurance Cover the Cost of Helical Pier Installation?

Yes, sinkhole insurance typically covers the installation of helical pier systems if they are deemed necessary for structural stabilization.

According to the provided content, there are specific conditions and distinctions regarding this coverage:

  • Sinkhole Insurance vs. Catastrophic Ground Cover Collapse: Sinkhole insurance generally offers broader eligibility for foundation damage and is more likely to cover engineered pier systems. In contrast, catastrophic ground cover collapse coverage usually only triggers when the structure is severely compromised or condemned.
  • The Role of Engineering: Insurers, such as Tower Hill Insurance, require a formal assessment from a licensed structural engineer. This engineer must provide a signed and sealed report confirming that sinkhole activity is the cause of the damage and that helical piers are the required repair method.
  • Policy Variables: Coverage depends on your individual policy terms and declaration page. Sinkhole endorsements often carry a separate deductible, frequently around 10 percent of the dwelling limit.
  • Project Costs: The final amount covered for helical pier installation will depend on factors such as the depth required to reach competent soil, site accessibility, and the specific stabilization design approved by the insurer.

Related FAQs