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West VirginiaHB 54622026 Regular SessionHouseWALLET

Relating to Mine Subsidence

Sponsored By: Walter Hall (Republican)

Signed by Governor

§33-30-6§33-30-12

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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.

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

  1. Chapter 232, Acts, Regular Session, 2026

    6/29/2026House

  2. Approved by Governor 4/1/2026

    4/1/2026House

  3. To Governor 3/25/26

    3/25/2026House

  4. House received Senate message

    3/14/2026House

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

    3/14/2026House

  6. Communicated to Senate

    3/14/2026House

  7. Completed legislative action

    3/14/2026House

  8. House Message received

    3/14/2026Senate

  9. To Governor 3/25/2026 - Senate Journal

    3/14/2026Senate

  10. Approved by Governor 4/1/2026 - Senate Journal

    3/14/2026Senate

  11. Approved by Governor 4/1/2026 - House Journal

    3/14/2026House

  12. On 3rd reading

    3/13/2026Senate

  13. Read 3rd time

    3/13/2026Senate

  14. Passed Senate (Roll No. 569)

    3/13/2026Senate

  15. Title amendment adopted

    3/13/2026Senate

  16. Senate requests House to concur

    3/13/2026Senate

  17. On 2nd reading

    3/12/2026Senate

  18. Read 2nd time

    3/12/2026Senate

  19. Reported do pass

    3/11/2026Senate

  20. Immediate consideration

    3/11/2026Senate

  21. Read 1st time

    3/11/2026Senate

  22. Introduced in Senate

    3/5/2026Senate

  23. To Banking and Insurance

    3/5/2026Senate

  24. To Banking and Insurance

    3/5/2026Senate

  25. On 3rd reading, Special Calendar

    3/4/2026House

Bill Text

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