Constant rain after weeks of unseasonable drought in Central Florida created the perfect mix to open up sinkholes.

Inspectors examined two houses in Lake County with major cracks to determine whether or not sinkholes are to blame.

Just three weeks ago a sinkhole swallowed an entire kitchen in Apopka. Ten people were renting the home when the sinkhole forced them out.

In Florida there are underground holes full of water, called aquifers; if they grow bigger, they can eventually cave in.

Dr. Manoj Chopra, a professor at the University of Central Florida, said that periods of drought cause the holes to get dry and cave-like. Then, with significant rainfall, the surface above the holes gets heavy.

"So what happens is the top just falls off and you get a sink hole," he said. "Then the cavity that used to exist becomes a hole in the ground."

If you live in Florida you might discover that you live on top of a sinkhole, but limestone-rich areas are more prone to sinkholes than others.

After the Winter Park sinkhole, which swallowed several houses and cars in 1981, insurance companies began to change their coverage of sinkhole damage.

Most homes were automatically covered for sinkhole damage, but in the 1990s some insurance companies began to charge extra for sinkhole insurance.

Now some homeowners have no sinkhole coverage at all.

Lawmakers recently passed a bill forcing insurance companies to offer what is called Catastrophic Ground Cover Collapse Coverage.

"The point of the law was that if you're home disappears in a hole, you've got coverage for it," Phil Harris of the Department of Financial Services said. "But if it's like most sinkholes it gradually goes down. There's not coverage for that."