I received this question below from an Ohio agent. His concern is Natural Gas Fracking and trying to find out where this would be covered. He endorses mine subsidence to the Ohio policies, where applicable, and this is administered by the Ohio Mine Subsidence Insurance Underwriting Association. He is also trying to determine whether there is any coverage under either the base HO 00 03 policy or if there is coverage if the earthquake endorsement is added to the policy. I would appreciate your thoughts on the matter.

Illinois Subscriber

Let's walk through this. Fracking involves the pumping of water and chemicals underground at high pressure to shatter rock formations and release gas; the practice generates a considerable amount of waste liquid, which is often disposed of by injecting it into deep rock formations where it can lubricate faults. This may make it easier for stressed faults to shift and cause an earthquake.