If your home is at risk, coverage is available and affordable. Residential Coverage of $150,000 costs just $41.25 a year. Since 1961, the Mine Subsidence Insurance program has paid out over $36 million in homeowner claims. Coverage is provided for complete buildings, buildings under construction, appurtenances to insured structures and for incidental losses that are a consequence of a loss.
Mine subsidence coverage is available from $5,000 to $1,000,000. Your home should be insured up to its replacement value plus 20% to cover losses to appurtenances and incidental costs. Residential coverage costs about 27 cents for every $1,000 of coverage. Use the
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Insurance producers licensed with property and casualty authority in Pennsylvania may submit Mine Subsidence Insurance applications and be paid for those that become policies. On
DEP's Insurance Producers website, insurers can create an account and submit applications.
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Under the terms of the Mine Subsidence Insuring Agreement, mine subsidence refers to the movement of the ground surface as a result of the collapse of underground coal or clay mine workings, which refer to the roof, floor, or pillars within an underground coal or clay mine that are associated with the tunnels and voids that are made underground when coal and clay is extracted. A Mine Subsidence Insurance Policy covers damage caused by mine subsidence. Coverage also extends to losses that result from the movement of the ground surface resulting from a surface discharge due to a sudden and unexpected breakout of water, which is known as a mine water blowout. For further explanations of coverage, please refer to the
Mine subsidence features usually take the form of either sinkholes or troughs. Sinkhole subsidence is common in areas overlying shallow room-and-pillar mines. Sinkholes occur from the collapse of the mine roof into a mine opening, resulting in caving of the overlying strata and an abrupt depression in the ground surface. The majority of sinkholes usually develop where the amount of cover (vertical distance between the coal seam and the surface) is less than 50 feet. This type of subsidence is generally localized in extent, affecting a relatively small area on the overlying surface. However, structures and surface features affected by sinkhole subsidence tend to experience extensive and costly damages, sometimes in a dramatic fashion. Sinkhole subsidence has been responsible for extensive damage to numerous homes and property throughout the years.
Sinkholes are typically associated with abandoned mine workings, since most active underground mines operate at depths sufficient to preclude the development of sinkhole subsidence. In accordance with the current regulations, the Department will not authorize underground mining beneath structures where the depth of overburden is less than 100 feet (30.5 m), unless the subsidence control plan demonstrates that proposed mine workings will be stable and that overlying structures will not suffer irreparable damage.
Subsidence troughs induced by room-and-pillar mining can occur over active or abandoned mines. The resultant surface impacts and damages can be similar, however the mechanisms that trigger the subsidence are dramatically different. In abandoned mines, troughs usually occur when the overburden sags downward due to the failure of remnant mine pillars, or by punching of the pillars into a soft mine floor or roof. It is difficult, if not impossible, to predict if or when failure in an abandoned mine might occur, since abandoned mines may collapse many decades after the mining is completed, if the mine workings were not designed to provide long-term support.