Pennsylvania has a long history of coal and clay mining. As a result of this underground mining, millions of structures in Pennsylvania are located over old, abandoned underground coal and clay mines. Mine Subsidence Insurance provides financial compensation for losses caused by the movement of the earth's surface that results from the collapse of underground coal and clay mines in Pennsylvania. This coverage is offered through the Commonwealth of Pennsylvania's Department of Environmental Protection. Damage due to mine subsidence or mine water breakouts is usually not covered by your homeowner's insurance policy.