HO 04 99 Sinkhole Collapse

An Insurance Services Office (ISO) standard form. It adds coverage for direct physical loss to Section I property caused by sinkhole collapse, and the earth movement exclusion does not apply to that loss.

The 10 00 and 03 22 editions reorganize the wording into definition, coverage and exception sections and update the form date. The coverage is the same.

Filed by one company only: 08 05 (Westfield Group, 6 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 07 15, 08/01/05.

Where filings record what this form replaced, they name earlier edition 03 22. Only some filings record replacements.

• Edition in use: in the past 12 months, 2 companies filed the 10 00 edition and 1 company filed 03 22.
• The 08 05 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 48 (Other Structures on the Residence Premises - Increased Limits) is filed alongside it most often, in 84 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• United Services Automobile Assn GroupFiles its own version: HO-99 Sinkhole Collapse (1 state)

• HO 04 48Other Structures on the Residence Premises - Increased Limits84 filings
• HO 04 10Additional Interests - Residence Premises83 filings
• HO 04 50Increased Amount of Insurance for Personal Property at Other Residences83 filings
• HO 24 71Designated Business Pursuits Liability Coverage80 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families79 filings
• HO 04 40Structures Rented to Others - Residence Premises77 filings
• HO 00 03Homeowners 3 - Special Form76 filings
• HO 24 72Incidental Farming Personal Liability Coverage75 filings
• HO 04 41Additional Insured - Residence Premises74 filings
• HO 04 54Earthquake Coverage73 filings