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Cornerstone’s Joshua Butts Discusses Sinkholes with WTSP 10 News

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Florida sinkhole insurance coverage is an important topic for homeowners across the state, where sinkholes are a fact of life. Sinkholes can appear suddenly and cause devastating damage to homes, foundations, and property. So is it a sure bet that your insurance will cover against them? Read the latest from WTSP to learn more. Cornerstone Insurance agent and founder Joshua Butts was a featured contributor to the story.

Florida sinkhole insurance coverage - sinkhole damage to home

What Florida Homeowners Should Know About Sinkhole Coverage

Many Florida homeowners are surprised to learn that standard homeowners insurance policies do not automatically include sinkhole coverage. While catastrophic ground cover collapse may be covered under a basic policy, actual sinkhole damage often requires a separate endorsement or rider. This is especially important for residents living in areas prone to sinkhole activity, including parts of Hillsborough, Pasco, and Hernando counties.

Florida sinkhole insurance coverage typically helps pay for structural repairs, foundation stabilization, and other costs associated with sinkhole-related damage. Without proper coverage, homeowners could face tens of thousands of dollars in out-of-pocket repair costs. Insurance companies in Florida are required by law to offer sinkhole coverage as an add-on to your policy, but it is not included by default.

If you live in a sinkhole-prone area, it is essential to review your current homeowners insurance policy to ensure you have adequate protection. A qualified independent insurance agent can help you understand your options and find the right level of coverage for your home and budget. Do not wait until damage occurs to find out whether you are protected.

Contact Cornerstone Insurance today to discuss your Florida sinkhole insurance coverage options and make sure your home is properly protected. Call us at 1-877-277-2715 for a free consultation.

Jean M.
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie N.
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria W.
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Mike B.
Shayne T.
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Topi C.
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Robert W.
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Anwar B.
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
CHERYL W.
James Bonn was a great agent! Very knowledgeable, helpful,and quick service! I am very pleased I was able to connect with him! Thanks James for you assistance in attaining my Home Insurance!
Pammie B.
Thanks James for taking care of my daughter and son in-law for their first time home purchase. Not only were you prompt in providing the quotes, you were available for any questions and truly had their best interest at heart! I highly recommend Cornerstone!!
R. George H.
Jessica B.
Jan 2026- Highly recommend James! He helped me set up my homeowners and flood policies and made everything easy to understand as a first time home buyer. He was responsive, professional, and truly helpful every step of the way. Great experience overall.

Josh was incredibly helpful with helping me to find the perfect car insurance! He was able to answer all of my questions promptly and helped me to find the best rate possible without sacrificing coverage. and I cannot leave out Pammie, who helped with all of my customer service needs. What a GREAT team!!!
Liz B.
I'm very pleased with the customer service I received. Laura helped me find a great policy at a reasonable price to fit my home insurance needs. She was very professional and kind. She explained all the details about the policy and answered all my questions.
uzma K.
James Bronn made the process and experience nice to remember. He helped find the coverage that suited our needs and made sure all the information was relayed. Thank you
Lombard G.
Kyle Wilson from Cornerstone Insurance was recommended to me for purposes of purchasing home insurance on my new home in Sarasota. As a current New England resident, I was not familiar with many Florida agents and am thankful I was introduced to Kyle. He made the insurance purchase process quick and easy and was extremely attentive - despite me reaching out during the week between Christmas and New Year's Day. For those of you who have resided in the Northeast and "expect" quick, reliable service as well as timely responses to your messages, I highly recommend you contact Kyle. I am also very pleased with the pricing of the insurance and the opportunity to customize the coverage I was seeking.
Jorge B.
Kyle Wilson was extremely helpful with my home insurance request, he will reply to your questions fast, with accuracy and he works on weekends, holidays, day and night. Thanks Kyle for handling my policy!
ESTELA B.
Mrs Tate is a really nice lady and a pleasure to talk to! Patiently answered all my questions. Great customer service!
Smittywerben J.
Kari Tate was a pleasure to work with. I needed to switch over to a new policy and she made the process quick and painless, keeping my premiums low but still retaining similar coverages.
carlos D.
I recently purchased an insurance policy, and I couldn’t be happier with the experience. From the very beginning, my agent was friendly, patient, and incredibly knowledgeable. They took the time to understand my needs, explained all available options in simple terms, and never once made me feel rushed or pressured.

What stood out the most was how transparent and attentive they were. They answered every question clearly, helped me compare plans, and made sure I fully understood the coverage before making a decision. Their professionalism and genuine care made the entire process stress-free.

Thanks to their guidance, I now have a policy that fits my budget and gives me peace of mind. I truly appreciate their support and would highly recommend them to anyone looking to purchase insurance!
Dennis F.
It was so easy! No stress.
Elisha H.
“James Bonn absolutely crushed it for us! He got us the best homeowners insurance quotes fast, followed up every step of the way, and explained everything in a way no one else did. His communication and responsiveness were on point. Highly recommend!”
vikki S.
Fabulous agency; Kari called when she said she would, worked tirelessly to get us a reasonable quote and followed up promptly. Easy to reach and quick response time via phone, email, and text! Highly recommend.
PRAMAH Anti-aging & L.
I cannot say enough great things about my insurance agent, Joshua Gleaton. He stayed late, worked under intense time pressure, and got multiple policies approved so we could close within 24 hours. His responsiveness, professionalism, and knowledge were far beyond anything I’ve experienced in the insurance world.

In a time when it feels like no one goes the extra mile or even does the right thing anymore, Joshua did exactly that — all the way through. He was courteous, patient, and truly committed to making sure everything was done correctly.

If you want someone who actually shows up, communicates, and gets things done when it matters most, Joshua is the person you want. Highly recommended.
Kylie P.
I had an amazing experience with Cornerstone Lending, they were very knowledgeable and made insurance shopping a breeze! Even found me better coverage with a lower cost, Kyle helped me through the whole process!
C. X.
Jushua Gleaton was so helpful when I was purchasing the homeowner’s insurance for my new home today! He was very professional. He answered all my questions both thoroughly and quickly. Many thanks to Jushua and Cornerstone Insurance!