For an additional premium, we insure for direct physical loss to structures caused by mine subsidence.

The following definitions apply to this endorsement:

1. "Mine Subsidence", meaning the collapse of inactive underground coal mines, abandoned before August 3, 1977, resulting in damage to a structure located in Indiana and covered under this policy. It does not include loss caused by:

      a. Earthquake or earth movement, landslide or volcanic eruption; or
   b. Collapse of storm or sewer drains.

All damage that is caused by: (1) a single mine subsidence event, or (2) two or more mine subsidence events that are continuous shall constitute one mine subsidence occurrence.

2. "Structure", meaning a dwelling, building or ficture permanently affixed to real property. Structure does not include land, crops or other plants or a dwelling, building, or fixture taht is owned by a public or governmental entity.

LOSS SETTLEMENT

Losses covered by this endorsement will be settled as follows:

We will pay the smallest of the following amounts:

1. $200,000 for each structure;
2. The limit of liability applicable under this endorsement to the damaged property;
3. The actual cash value at the time of loss of the damaged proeprty; or
4. The amount available in the Mine Subsidence Insurance Fund to reimburse us.

DEDUCTIBLE

We will pay only that part of the loss to a structure which exceeds 2% of the limit of liability that applies to that structure, but the amount deducted from the loss payment on a structure will not be less than $250 or more than $500. No other deductible in this policy applies to loss covered under this endorsement.

The Earth Movement exclusion in this policy does not apply to loss caused by mine subsidence.

This endorsement does not increase the limits of liability stated in thsi policy and does not include the cost of filling land.

All other provisions of this policy apply.