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Indiana Department of Insurance

IDOI > Consumer Services > Types of Insurance > Mine Subsidence Mine Subsidence

The Indiana Mine Subsidence Program, created by The Indiana State Legislature, protects home and property owners in 26 affected counties in southwestern Indiana along the Illinois Coal Basin. 

Due to the nature of the damage, standard policies do not cover mine subsidence claims.  For protection, you must purchase mine subsidence insurance as an addition to your current policy.  Subsidence insurance can be added to your homeowners policy at any time.  To be eligible for a claim, your property must be insured prior to any damage from mine subsidence.

  • Mine subsidence insurance is available to anyone with basic fire coverage.
  • Mine subsidence insurance is available from your property and casualty insurance agent.

Premiums are structured to put mine subsidence insurance within your reach.  For just a few dollars a month, you can insure your home or other structures for up to $200,000.00 per structure.  The deductible for subsidence insurance is two percent of the policy (with a minimum deductible of $250.00 and a maximum of $500.00).

Damages not covered by mine subsidence insurance include:

  • Losses caused by earthquake, landslides, volcanic eruptions, collapse of storm sewer drains, or active mining.
  • Land, trees, crops or other plants and the contents of the structure are also not covered by mine subsidence insurance.

If you have purchased mine subsidence insurance and suspect your property is being damaged by mine subsidence, call your insurance agent.  Your insurance agent will assist in filing a claim with your insurance company.  If necessary, a qualified engineer will assess the claim.

In some instances, repairs will have to be delayed until the subsidence has stopped.  Once this occurs, final and permanent repairs can be made.  Without coverage, you will have to pay for these home repairs.

If you own a home, farm or commercial property in one of the designated counties, you are eligible for mine subsidence insurance. 

Clay

Owen

Crawford

Parke

Daviess

Perry

Dubois

Pike

Fountain

Posey 

Gibson

Putnam

Greene

Spencer

Knox

Sullivan

Lawrence 

Vanderburgh

Martin

Vermillion

Monroe

Vigo

Montgomery

Warren

Orange

Warrick

Claims Filed

The Indiana Mine Subsidence Insurance Fund received the following number of claims in each fiscal year indicated:

FY 12/13 - 35
FY 11/12 - 22
FY 10/11 - 16
FY 09/10 - 6
FY 08/09 - 18

Claims Paid

The Indiana Mine Subsidence Insurance Fund paid the following amounts in claims in each fiscal year indicated:

FY 12/13 - $ 1,526,599.00
FY 11/12 - $ 505,173.00
FY 10/11 - $ 590,184.00
FY 09/10 - $ 515,957.00
FY 08/09 - $ 576,936.21

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Insurance Premium Rate Table

Dwellings

Coverage Amount 

Premium

$0 TO $25,000 

$24.00

$25,001 TO $40,000

$30.00 

$40,001 TO $60,000

$36.00

$60,001 TO $75,000

$42.00

$75,001 TO $100,000

$60.00

$100,001 TO $125,000

$80.00 

$125,001 TO $150,000

$99.00

$150,001 TO $175,000

$120.00

$175,000 TO $200,000

$139.00

Non - Dwelling

Coverage Amount

New Premium

$0 TO $25,000

$42.00

$25,001 TO $35,000

$48.00

$35,001 TO $45,000

$54.00

$45,001 TO $55,000

$60.00

$55,001 TO $65,000

$66.00

$65,001 TO $75,000

$72.00

$75,001 TO $85,000

$75.00

$85,001 TO $100,000

$90.00

$100,001 TO $125,000

$115.00 

$125,001 TO $150,00

$139.00

$150,001 TO $175,000

$159.00

  $175,001 TO $200,000

$179.00 

For information regarding Mine Subsidence please contact:
Bettye Foy
Chief Deputy Commissioner
317-232-1990
bfoy@idoi.in.gov