Relating to Mine Subsidence

Summary

The bill requires most property insurance policies in West Virginia to include a separate mine‑subsidence coverage premium, with limited waivers and specific county requests. It directs that any claim payment first cover property damage and limits the mine‑subsidence fund’s liability to the statutory reinsurance cap. Insurers cannot be sued by policyholders for claims reported to the state board, except in cases of fraud.

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