Detecting Damage

Initial damage to property from mine subsidence may appear suddenly, or develop gradually over time. Many of the conditions listed below may indicate mine subsidence or they may be the result of normal ground movement due to changes in soil moisture or seasonal temperature variations. If you observe one or more of these conditions in your property, and you have mine subsidence insurance, you should report a claim to your insurance agent or company:

• Cracked, broken or damaged foundation
• Cracks in the basement walls, driveway, or garage floor
• Popping and snapping sounds as if the house is shifting
• Walls or floors appear unleveled or tilted
• Doors swing open or closed
• In extreme cases, water or gas lines may rupture

If you suspect that your home is being affected by mine subsidence, call your insurance agent or company. Be prepared to tell them the date that you first observed the damage.