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The Insurance Services Office (ISO) 1991 homeowners forms excluded coverage for “earth movement, meaning…mine subsidence; earth sinking, rising or shifting.” Therefore, loss caused by these occurrences was excluded unless coverage was specifically endorsed onto the policy. But with the Homeowners 2000 program, the exclusion was changed to exclude loss resulting from “b. Landslide, mudslide or mudflow; c. Subsidence or sinkhole. The ISO 2011 homeowners forms contain the same exclusion. In order to make the point that subsidence encompasses subsidence resulting from a mine’s cave-in, the mandatory special provisions for many states amend the definition of earth movement. See, for example, HO 01 01 09 00 Special Provisions – Alabama, which states that earth movement means “earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting.”

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