Mine subsidence refers to the collapse of an underground coal mine, which can result in direct damage to structures above it.
Most typical home insurance policies do not cover damage caused by earth movement, settling, shrinking, bulging, or soil expansion. This includes any resulting cracks in 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 increased the reinsurance limits offered by the KMSIF. The limit for damage to structures from mine subsidence was raised from $100,000 to $300,000 for property policies issued in eligible counties, provided the policy became effective 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 the Mine Subsidence Acceptance and/or Rejection form and return the form to our office.
Post Created: June 2, 2022, updated: July 14, 2026