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House of Representatives
Session of 2017 - 2018 Regular Session


Posted: October 10, 2018 08:54 AM
From: Representative Pam Snyder
To: All House members
Subject: Mine Subsidence Insurance; Home Buyer Information Legislation
Imagine your family just bought a beautiful new home, but within a year of your purchase half the foundation cracks and sinks six inches into the ground due to mine subsidence. You had no idea this could happen and neither the seller nor the real estate agent told you mine subsidence insurance was available in your area?

That is why in the near future, I plan on introducing legislation that would require a buyer be made aware of the existence of mine subsidence insurance offered through the Department of Environmental Protection when purchasing a home in an anthracite or bituminous coal or clay mine region. When a home is in a flood plain, a buyer is advised to purchase a flood insurance policy. They may even be required to buy that flood insurance policy if they’re using a mortgage to purchase the home. In some parts of the state, homes are built over old mines, however, there are no requirements in Pennsylvania to advise a prospective home buyer to purchase mine subsidence insurance.

My legislation would not place any financial mandate on home buyers, but instead requires vital information be made available so prospective home buyers can make smart decisions that could save the entire value of their home in the future.

Please join me in co-sponsoring this important legislation so that we can better protect the homes of so many people in the Commonwealth.