After this week’s sinkhole made a mess of rush hour traffic in Wenatchee, it is time to talk about them. Here’s a lighter take on how insurance might cover sinkholes in Washington state with Wenatchee Insurance:
Coverage for Sinkholes
- Standard Homeowners Insurance:
- Not Covered: Sorry, but if a sinkhole swallows your house, your standard policy just says, “Good luck!”
- Add-On Coverage:
- Possible Option: You might be able to add sinkhole coverage as an endorsement. Think of it as adding sprinkles to your ice cream – it costs extra, but it’s worth it when your house decides to play hide and seek with the earth.
- Earthquake Insurance:
- Separate Policy: Earthquake insurance covers when the ground gets all shook up. But for sinkholes, you need a different kind of party invite. Make sure you’ve got the right one!
What Might Be Covered
- Structural Damage: If your house takes a dive, this coverage helps put Humpty Dumpty back together again.
- Personal Property: Your stuff inside might be covered, so you won’t lose your favorite couch to the abyss.
- Living Expenses: If you need a temporary crash pad while your home gets fixed, you might get coverage for that too – so you can avoid moving in with your in-laws.
Steps to Take to cover sinkholes
- Review Your Policy: Dust off that policy and see if it mentions sinkholes – spoiler alert: it probably doesn’t.
- Contact Wenatchee Insurance: Give them a call and ask about adding sinkhole coverage. “Hey, can I get the sinkhole special, please?”
- Consider Earthquake Insurance: It’s a good backup if the ground decides to get jiggy with it, but remember, it’s not the same as sinkhole insurance.
Examples of Insurance Types for sinkholes
- Homeowners Insurance: The basic “keep your house covered unless it falls into the earth” policy.
- Earthquake Insurance: For when the ground plays maracas.
- Sinkhole Insurance (Add-On): Optional coverage for when your house wants to star in a sinkhole documentary.
Talk to your Wenatchee Insurance agent to get the scoop on what’s covered and what’s not. Because nobody wants to wake up to a house that’s decided to dig its own basement!
