MINE SUBSIDENCE.
Property policies may be endorsed to cover loss or damage to structures due to mine subsidence. Mine subsidence occurs when abandoned or inactive underground mines collapse. Coverage does not apply to loss or damage caused by earthquake, landslide, volcanic eruption or collapse of storm or sewer drains. The states of Illinois, Indiana, Kentucky, Oklahoma and West Virginia have filed exceptions to provide coverage in certain counties for specific limits. A few of these states mandate notice of coverage availability in certain counties while others only require that the coverage be available. Individual state requirements must be reviewed because notice of coverage availability is based on the location of the property and not the location of the insured's headquarters.