Underground coal mining creates gaps in the ground that can collapse and cause the earth’s surface to sink in. When this happens, the results can range from minor cosmetic damage in road surfaces to mine water breakouts, where the underground mines are suddenly flooded with water.
You should never assume your existing household policy will cover mine subsidence damage. Home insurance policies in some states cover “catastrophic ground collapse,” but this usually has heavy restrictions and only covers the most dramatic sinkholes.
To find out more about mine subsidence insurance and whether it’s right for you, contact us today.