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MA sinkhole insurance

Do I Need Sinkhole Insurance in Massachusetts?

A sinkhole is a bow-shaped gap in the surface of the Earth. They occur when rain erodes bedrock under the ground. When this happens, objects on the surface will sink into this newly formed home. It can affect your home, your car, or your belongings.  According to the U.S. Geological Survey, about 35 – 40% of all the land in the U.S. is susceptible to sinkholes! While sinkholes may not regularly cross your mind, they can still happen in places like Massachusetts!

What causes a sinkhole?

A sinkhole is caused by water eroding bedrock. The water can weaken or dissolve the rock so it becomes unstable and gives under the weight of the Earth’s surface. It can be a natural occurrence, or it can be manmade. Though it is a natural disaster, they are typically not covered by MA home insurance.

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Signs of a sinkhole

Sinkholes usually develop over a long period of time, and may not be readily apparent to most people. Some of the telltale signs are often subtle and progress slowly. Since sinkholes are formed by shifts in the ground, those are the warning signs you should keep an eye on. These are a few signs indicative signs that you should keep an eye on:

  • Developing cracks around windows and doors
  • Windows and doors becoming increasingly difficult to open over tie
  • Depressions in your yard or areas around your home
  • Deep cracks in driveways, walkways, etc. around your home
  • Unusual sediment in your water

If there are signs that a sinkhole is affecting your Massachusetts home, call a professional to help evaluate the situation. They can determine what kind of damage has been done and what you should do going forward. Though MA may not be a state known for sinkholes, there’s always a possibility of them happening near you.

Do I need insurance for sinkholes?

While the probability of actually experiencing a sinkhole in MA is low, the US Geological Survey does not have a concrete way to determine if there is one on your property. Because of their low occurrence rate and extremely costly damage, most insurance companies do not include sinkhole damage in their coverage. Though sinkholes in MA may not be the first peril to come to mind, it’s still important to be aware of the damage they can cause.

However, some states, especially those where sinkholes are more common, offer an additional sinkhole policy. In Massachusetts, you can ask your agent if sinkhole insurance may be an add-on to a policy. You can also have a professional come to your home to do an evaluation if you are worried about potential damage.

If you are concerned about sinkholes affecting your property, ask your insurance agent about insurance for it! If a sinkhold occurs in MA and you don’t have insurance, then you will not get compensated for your loss. Don’t forget about coverage for your car too! Damage caused to your car by a sinkhole will likely be covered under your comprehensive auto insurance policy.

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Sink Hole Insurance in MA

While it is unlikely that a sinkhole will occur in Massachusetts, it’s not impossible. If it does happen, it can cause serious damage to your home. You can always call in a specialist to assess the area around your home for potential sinkholes. They will be able to tell you specifics about your property and sinkholes.

Another option is to get insurance. Consider looking into coverage for sinkhole damage if you are worried about it. It’s unlikely that it will happen, but it’s always best to be prepared. MA sinkhole insurance would likely be an add-on to your existing homeowners insurance policy. Your insurance agent is a great resource to ask about what sinkhole coverage would look like. You can ask them what type of coverage is right for you and your family.

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Additional sources:
https://www.iii.org/article/sinkholes-and-insurance
https://www.trustedchoice.com/catastrophe-insurance/all/sinkhole/

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