In Tennessee, standard homeowners insurance does not automatically cover sinkhole damage. However, insurers are required by law to offer optional sinkhole coverage. If purchased, this coverage can help pay for structural damage caused by sinkhole activity. Insurers must investigate all claims and, if denying coverage, provide a written report from an engineer or geologist. We help homeowners navigate these complex claims and fight for the coverage they paid for.
Tennessee law requires insurers to offer, but not automatically include, sinkhole coverage in homeowners policies. This means that policyholders must opt-in for protection against sinkhole damage
When a sinkhole claim is filed, insurers must conduct a comprehensive investigation. If they deny the claim, they are required to obtain a written certification from a qualified engineer or geologist confirming that the damage was not caused by a sinkhole.
If a policyholder files a sinkhole claim without reasonable grounds, state law allows insurers to recover a portion of their investigation costs, discouraging fraudulent or unfounded claims
We analyze the homeowner’s insurance policy to determine whether sinkhole coverage was purchased and what limitations or exclusions may apply—crucial first steps before filing or disputing a claim
If the insurance company denies a claim based on their expert’s opinion, we can bring in an independent geologist or structural engineer to provide an unbiased assessment and counter faulty or incomplete insurer reports.
We challenge insurance companies when they deny coverage without proper evidence or offer inadequate settlements. This includes disputing the cause of damage or the scope of repairs needed to stabilize and restore the property.
If needed, we pursue legal remedies such as filing a lawsuit for breach of contract or bad faith, and negotiate for full compensation to cover structural repairs, property loss, and temporary relocation if the home is unsafe.
