i bought a house on a lake 3 1/2 years ago. in the past year my house is sinking. this is happening on the part of the house that once was a garage and they made into a room. my problem is this. i had told my insurance company that i was seeing cracks and would they pay to repair. they had a fix and were not going to renew my policy.i called them and said my neighbor had the same problem and it was just settling problems and they renewed my policy. now it has gotten much much worse and im afraid to call them again. i want to know if it is covered in my policy, how would i do this without them canceling me.. my house has gotten really bad in this past year..i have a 5 year ballon and am worried i will lose my house if i can't get a new morgage on it.. please help me sinking in florida. there is a whole on the side of my house that if you step there you will go right in the ground, wondering if it's some sort of sink hole...