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What is Encompassed by These Endorsements

Summary: Loss resulting from mine subsidence and sinkhole collapse are excluded causes of loss on most homeowners forms. Coverage can be purchased for this exposure where allowed (or mandated) by law, or where an insurer elects to include coverage. For example, the American Association of Insurance Services (AAIS) Form 3 includes coverage for loss to personal property caused by sinkhole collapse. This article discusses coverage for loss caused by mine subsidence and sinkhole collapse and the Insurance Services Office (ISO) endorsements used to provide coverage.

Topics covered:


Mine subsidence overview

Indiana Endorsement HO 23 83

Illinois endorsements HO 23 88 and HO 23 98

Kentucky endorsements HO 23 84 and HO 23 87

West Virginia endorsement HO 23 31 08 95

Sinkhole collapse


The Insurance Services Office (ISO) 1991 homeowners forms excluded coverage for “earth movement, meaning…mine subsidence; earth sinking, rising or shifting…” Therefore, loss caused by these occurrences was excluded unless coverage was specifically endorsed onto the policy. But with the Homeowners 2000 program, the exclusion was changed to exclude “b. Landslide, mudslide or mudflow; c. Subsidence or sinkhole” In order to make the point that subsidence encompasses subsidence resulting from a mine’s cave-in, the mandatory special provisions for many states amend the definition of earth movement. See, for example, HO 01 01 09 00 Special Provisions Alabama, which now states that “earth movement” means “earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting”

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