Mine Subsidence Insurance coverage has been modified to provide compensation
not only for losses to buildings but to now provide coverage for
appurtenances to buildings. Appurtenances are defined as fences,
retaining walls, paved
or improved patios, walks, driveways, and in ground swimming pools.
All appurtenances must be permanently affixed and securely attached
to the land
and adjacent to and used in conjunction with the part of the insured
structure that is the building.
appurtenances are limited to 10% of the coverage amount. The insured
building must be damaged by the same event before losses to appurtenances
can be paid. Applicants
are encouraged to purchase coverage in an amount sufficient to
replace their structure plus 20% to cover appurtenances and incidental costs, or an
amount that is equal to
limit of $500,000, which ever is less.