At Tower Hill Insurance, the difference between sinkhole loss and catastrophic ground cover collapse is defined by the severity, timing, and specific triggers of the damage as outlined by Florida law:
Key exclusions for both types of coverage include normal wear and tear, erosion from surface water, and gradual settlement of earth that is unrelated to sinkhole activity. Because these are separate forms of protection with different requirements, Tower Hill requires a professional engineering report to verify the cause of the movement before approving a claim.
Stair-step cracks in your home’s exterior brick follow the mortar joints in a zigzag, stepped pattern and are a primary indicator of foundation settlement. These fractures signify that the underlying foundation is settling or moving unevenly, often due to Colorado’s…
Repairing stair-step cracks in brick veneer involves a two-step approach: addressing the underlying structural movement and sealing the visible damage. Because these cracks are typically caused by foundation settlement into expansive soils, it is critical to stabilize the structure before…
Distinguishing between settlement and shrinkage cracks is essential for determining the structural health of a home. These two types of cracks have different causes and implications for your foundation: While shrinkage cracks can often be addressed with routine patching or…
No, stair-step cracks should never be ignored. While minor hairline cracks are sometimes cosmetic, stair-step patterns are among the most telling signs of foundation problems and often indicate underlying settlement. Why You Should Address Them Stair-step cracks typically develop when…
Yes, stair-step cracks in brick are one of the most distinctive and telling signs of foundation settlement or sinking. These diagonal fractures follow the mortar joints in a zigzag pattern, signaling that the underlying foundation is settling or moving unevenly.…
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