Forensic Engineer’s Ethical Code in the Investigation of Sinkhole Activity: Case Studies

Florida is known for the phenomenon of sinkholes. Homeowners submit claims to insurance companies when they observe minor signs of distress such as cracking in their walls or floors, doors or windows that stick, and sinking or differential settlement of their driveways, patios, and interior floors. While these signs may indicate the potential for sinkhole activity, they are not conclusive evidence. Further investigation and monitoring is required. Insurance coverage applies only if structural damage to the covered building was caused by sinkhole activity. Florida Statutes do not have clearly established criteria and situations arise where the homeowner’s engineer argues for and the insurer’s engineer against sinkhole activity. Ethical ambiguity arises when one party argues definitively for and the other against, and yet, the homeowner continues to live in the home. As engineers, we are required to uphold a high ethical code to “safeguard the life, health, property, and welfare of the public.” If the engineer truly believes there is sinkhole activity, the occupants should be relocated and proper remediation implemented. Several case studies will be presented with continued occupancy.