In the late 1950's, the private insurance industry excluded mine subsidence
coverage from standard homeowners insurance policies due to costs and difficulties
associated with the highly technical nature of mine subsidence claim investigations.
In 1961, the Commonwealth of Pennsylvania established the Mine Subsidence Insurance
Fund to provide a reliable source of insurance against losses caused by underground
coal and clay mine subsidence. The Pennsylvania Department of Environmental
Protection (DEP) uses the expertise in its mining programs to administer this
nonprofit insurance program, which is sustained by policyholder premiums and
not tax receipts.
If you write insurance policies in Pennsylvania's coal regions, DEP strongly recommends that you encourage your customers, who are at risk, to purchase Mine Subsidence Insurance (MSI). Please read more about the MSI Program, and then, register to use the systems provided on this web site to submit applications and earn commissions.