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.
To effectively fix drainage problems in your yard, you should implement a combination of surface and subsurface solutions to redirect water away from your foundation.### 1. Improve Surface Grading Establish a positive slope of at least 5% (roughly ½ inch…
Yes, a basement can be converted into a home gym in Denver, but it requires specific structural and environmental considerations due to the region’s unique geological conditions. Because Denver’s expansive clay soils heave and settle with moisture changes, a professional…
In most cases, helical piers tend to be the more cost-effective option for installation, particularly in residential projects and areas with poor soil conditions. While direct pricing depends on site-specific factors and custom quotes, several elements influence the overall cost…
Yes, ICC-ES AC358 specifies rigorous and standardized load testing procedures to verify that helical pier systems perform as designed under field conditions. These protocols ensure that results are reliable and comparable across different projects and testing agencies.The standardized load testing…
In the Front Range, water is the primary driver of foundation failure due to the immense hydrostatic pressure it exerts on structures. This process begins when soil surrounding a foundation becomes saturated from heavy rainfall, melting snow, or poor drainage.Water-rich…
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