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.
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.…
Understanding the difference between these two warranties is essential for protecting your construction investment. While they often work together, they cover different aspects of a project and are provided by different parties: Key Comparisons Professional inspections by a structural engineer…
A workmanship warranty provides an essential layer of protection for your construction project by legally defining the remedies available if defects are discovered after the work is finished. Unlike a material warranty, which covers manufacturer defects, a workmanship warranty specifically…
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