Home Insurance Policy Pg 2

Sinkhole problem in the eye of the homeowner

SPRING HILL, Fla. — Neil Rasmussen said so many of his neighbors in the Pristine Place subdivision had collected insurance settlements for sinkhole damage, he thought he would give it a try, too.

He and his wife, Pamela Beacham — the homeowner and policyholder of record — filed a claim with state-run Citizens Property Insurance about two years ago. It took only a few weeks for the company to investigate and come back with an offer of $186,000.

"I said, 'Hey, send me the check,' " Rasmussen said.

Beacham paid off a $136,500 mortgage in August 2010, according to county records. The couple did not fix the sinkhole damage, said Rasmussen, 62, a retired truck driver, because other than minor cracking, there wasn't much to fix.

"I actually think I have a very solid house."

The decision to file a sinkhole claim might seem to be a simple case of applied science. But for the residents of Pristine Place, already stressed by a collapsing economy, that decision is often about psychology as much as it is geology.

The sinkholes in this gated community are not headline-making monsters that swallow houses, but subtle "subsidences" that crack walls and pool decks.

Pristine Place's stucco homes, all less than 20 years old, are clean and spacious, the lawns closely cropped. From the street, the damage signs are the crews pumping grout under the foundations of houses.

But according to the Hernando County Property Appraiser's Office, nearly one-third of the 673 homes in Pristine Place have documented sinkhole damage — the highest concentration in Hernando, which has the highest concentration of sinkhole-damaged homes in the state.

Talking to homeowners and examining public records starts to explain the biggest puzzle about sinkhole claims: why their numbers have exploded in the last half-dozen years.

Certainly nothing has changed about the underground formation of the state, said Jonathan Arthur, director of the Florida Geological Survey.

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