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FORENSIC SUITE // PAGE 74
The Insurance Trap: standard homeowners insurance policies do not cover damage caused by earth movement, landslide, or mine subsidence. If your foundation collapses due to a historical coal mine void, you must have a specific state MSI endorsement to recover your loss.

Is my home sitting over old underground mines?

Subsidence damage can be sudden and severe. If your home is in a historic mining county, find out your exposure and insurance options.

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