No homeowners insurance company in FL covers flood in a homeowners policy. Let me qualify that (mobile homes) are sometimes covered for flood as they are personal property, not real property. Flood is a separate policy underwritten by NFIP (National Flood Insurance Program, a US GOV prog) and written by a WYO (write your own) ins co. All losses are paid by the Nfip Program. Additionally, ground movement, shrinking swelling, hydrostatic pressure is excluded from both a flood policy and a homeowners policy. In FL, by State statute, sinkholes ARE covered, IF covered property is damaged. Remember, insurance companies cover your dwelling, contents and other structures - not your land. Also certain perils are excluded (earth movement for one). Only possible way to get the pool loss covered is that it is the result of a sinkhole!! To help with this explanation, in states with earthquake exposure, an earthquake(ground movement) policy is available.