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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 when allowed (or mandated) by law or when an insurer elects to include coverage. For example, the American Association of Insurance Services (AAIS) Form HO 0003 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.

ICLC Staff Writer

 

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