What is the classification of mine subsidence in Illinois?

Mine subsidence in Illinois is classified as earth movement due to the geological changes and shifting that occur when underground mines collapse. This phenomenon results from the removal of coal or other minerals, which can cause the ground above to settle or sink. Given that mine subsidence significantly alters the earth's physical structure, it falls squarely within the scope of earth movement, which is a recognized category in insurance and geology.

Understanding this classification is essential, as it influences how insurance policies address coverage for damages related to such events. Many insurance policies often exclude coverage for earth movement, meaning that individuals may need specific endorsements or separate policies to protect against potential losses from mine subsidence. This classification also helps property owners understand the risks associated with living near former mining sites and the potential implications for property damage claims.