Mine subsidence is the collapse of an underground coal mine resulting in direct damage to a structure.
A typical home insurance policy does not cover damage originating from earth movement, settling, shrinking, bulging, or soil expansion, including the resultant cracking of pavements, patios, foundations, walls, floors, roofs, or ceilings.
The Kentucky Mine Subsidence Insurance Fund (KMSIF), administered by the Kentucky Department of Insurance, exists to pay claims for structural damage caused by mine subsidence in the following counties: Bell, Boyd, Breathitt, Butler, Carter, Christian, Clay, Daviess, Edmonson, Elliott, Floyd, Greenup, Hancock, Harlan, Henderson, Hopkins, Jackson, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Martin, McCreary, McLean, Morgan, Muhlenberg, Ohio, Owsley, Perry, Union, Webster, Whitley, and Wolfe.
In 2010, the Kentucky legislature changed the reinsurance limits provided by the KMSIF. The reinsurance limits for damages to structures due to mine subsidence increased from $100,000 to $300,000 for property policies located in the eligible counties with a policy effective date on or after July 15, 2010.
This link provides more information about the Kentucky Mine Map System underground mines in Kentucky. Here is the link for the underground mines in Indiana: Indiana Mine Map System.
To contact the KMSIF, their address and phone number are:
Kentucky Mine Subsidence Insurance Fund
P.O. Box 517
Frankfort, KY 40602-0517
502-564-6083 or toll-free 800-595-6053
The TDD line for the deaf or hearing-impaired is 800-648-6053.
Indiana Mine Subsidence Insurance Fund
To reject or add coverage to your policy, please complete Mine Subsidence Acceptance and or rejection form and return the form to our office.
Do you have mine subsidence coverage on your home insurance policy?