In the United States, specific states prone to historical underground coal and mineral mining enforce mandatory or automatically included mine subsidence insurance programs. For example, states like Illinois, Kentucky, and West Virginia mandate or automatically bundle mine subsidence coverage into property policies unless the policyholder explicitly opts out in writing. Other states with extensive mining histories, such as Pennsylvania, Ohio, and Indiana, offer specialized state-backed reinsurance programs where homeowners can opt-in to secure vital structural protection.
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