West VirginiaHB 54622026 Regular SessionHouseWALLET

Relating to Mine Subsidence

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 0 benefits, 1 costs, 2 mixed.

Legal limits on subsidence claim disputes

You cannot sue your insurer over a mine subsidence claim that you reported to the board. If the board finds fraud or a policy violation, it can require your insurer to try to get the money back from you; the board pays the recovery costs. The board cannot seek reimbursement from insurers unless the insurer committed fraud.

Limits and payouts on subsidence claims

The board’s reinsurance per structure cannot be more than $200,000 and cannot be more than your fire insurance amount. Money you receive for a covered loss must go first to pay for property damage. If another source pays part of the loss, the fund pays only the rest, up to its limit.

Homeowners: mine subsidence coverage rules

Beginning October 1, 1982, every policy that insures a West Virginia structure includes mine subsidence coverage unless you sign a waiver. In Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson, Monroe, Morgan, Pendleton, Pleasants, Ritchie, Roane, Wirt, and Wood counties, you get this coverage only if you ask for it. Coverage added by a new policy or endorsement starts 30 calendar days after you apply. The board sets the price for this coverage, and insurers must use that price. Your deductible must be at least $250 and no more than $500.

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Sponsors & Cosponsors

Sponsor

Walter Hall
Republican • House

Cosponsors

John Paul Hott
Republican • House
Dean Jeffries
Republican • House

Roll Call Votes

All Roll Calls

Yes: 198 • No: 22

House vote • 3/14/2026

House concurred in Senate amendment and passed bill (Roll No. 658)

Yes: 86 • No: 11

Senate vote • 3/13/2026

Passed Senate (Roll No. 569)

Yes: 34 • No: 0

House vote • 3/4/2026

Passed House (Roll No. 319)

Yes: 78 • No: 11

Actions Timeline

Approved by Governor 4/1/2026
4/1/2026House
To Governor 3/25/26
3/25/2026House
House received Senate message
3/14/2026House
House concurred in Senate amendment and passed bill (Roll No. 658)
3/14/2026House
Communicated to Senate
3/14/2026House
Completed legislative action
3/14/2026House
House Message received
3/14/2026Senate
To Governor 3/25/2026 - Senate Journal
3/14/2026Senate
Approved by Governor 4/1/2026 - Senate Journal
3/14/2026Senate
Approved by Governor 4/1/2026 - House Journal
3/14/2026House
On 3rd reading
3/13/2026Senate
Read 3rd time
3/13/2026Senate
Passed Senate (Roll No. 569)
3/13/2026Senate
Title amendment adopted
3/13/2026Senate
Senate requests House to concur
3/13/2026Senate
On 2nd reading
3/12/2026Senate
Read 2nd time
3/12/2026Senate
Reported do pass
3/11/2026Senate
Immediate consideration
3/11/2026Senate
Read 1st time
3/11/2026Senate
Introduced in Senate
3/5/2026Senate
To Banking and Insurance
3/5/2026Senate
To Banking and Insurance
3/5/2026Senate
On 3rd reading, Special Calendar
3/4/2026House
Read 3rd time
3/4/2026House

Bill Text

Committee Substitute
HTML PDF
Engrossed
HTML PDF
Enrolled
HTML PDF
Introduced Version
HTML PDF

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