Thank you for sharing!

Your article was successfully shared with the contacts you provided.

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.”

Four states—Illinois, Indiana, Kentucky, and West Virginia—offer coverage for loss caused by mine subsidence through use of special endorsements to standard ISO homeowners forms. Indiana, Kentucky, and West Virginia specifically limit coverage to damage arising out of coal mine subsidence. Illinois includes coverage for loss or damage caused by subsidence of coal, clay, limestone, or fluorspar mines, but adds that this list is not inclusive. 

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.