Coverage for loss to property due to the sinking of a man-made mine. Buildings
in some states—such as Illinois, Ohio, Kentucky, and West Virginia—may be
located over abandoned mines. If the mine sinks, shifts, or collapses and
damages the insured property, such damage is excluded by the "earth
movement exclusion." A few states have mandated that insurers make
coverage for mine subsidence available to property owners who live in such
areas. Typically, the property owner need not request such coverage; it is
added automatically. If the property owner decides against the coverage, a
signed rejection form may be required. As of this writing, mine subsidence
coverage is mandated for both commercial and residential property in: Illinois
(215 ILCS 5/801.1), Kentucky (KRS 304.44.–010), and West Virginia (WVC
33–30–6). The coverage is mandated only for dwellings and farms in Ohio (ORC
3939.50).