Sinkhole history · Pasco County
That distinction is the whole thing, and almost nobody explains it. Here is the actual mechanism, and the part most buyers will not tell you — that a properly repaired sinkhole is often far less damaging than the rumour of one.
The Pasco numbers
How it actually works
It runs in one direction and it breaks in the same place every time. Sinkhole history → the insurer declines the endorsement, or will only write the narrow mandatory coverage → the buyer cannot get the policy their lender requires → the lender will not fund → the sale dies.
Note what is not in that chain: the buyer's opinion of your house. They often still want it. They simply cannot complete.
Florida requires a seller to disclose known defects that materially affect value, and sinkhole activity plainly qualifies. Beyond that, where a sinkhole claim was paid, the seller must tell the buyer before closing that it was paid and whether the proceeds actually went into repairs — and that applies even if it was a previous owner who filed it.
It is also discoverable. A buyer's insurer pulls a claims history, and the claim is in it. Concealing it does not work, and it converts a difficult sale into a lawsuit after closing.
We are not lawyers and this is not legal advice. Your disclosure obligations are worth twenty minutes with a Florida real estate attorney.
If the remediation was properly engineered, completed and certified — grouting or underpinning with the engineer's report to prove it — the house can often be insured again, and that paperwork becomes an asset in the sale rather than a liability. It demonstrates the problem was addressed professionally.
The genuinely hard cases are different: a claim that was paid out and spent on something else, a repair with no documentation, or activity that was never addressed. If that is your house, find the engineering report before you do anything else. If it exists, it is worth real money to you.
When we're the wrong answer
If you have a clean, certified remediation report, do not sell to us in a hurry. Take it to an agent and an insurance broker first — you may well be insurable and worth far more than any cash buyer will offer.
Where we are the right answer: unrepaired activity, a claim with no repair behind it, missing documentation, or you simply do not want to spend a year proving your house is fine. We buy it as it stands, with the history, and we take that problem on.
Talk to a person
Not a call centre, not a lead broker who sells your details on. One conversation, and you'll know within ten minutes whether we're any use to you.