Subsidence is usually not covered by homeowners insurance. The most common and damaging subsidence occur in areas above underground mining. Here, voids opened during mining slowly or suddenly collapse. Your home can be ruined by this type of subsidence or it can be condemned – even if it is not damaged. Condemnation occurs when utility and road infrastructure of a neighborhood becomes too expensive to maintain and local government refuses to provide continued service. If your home is condemned you are required to move out – even if you rent, owe $100,000 on the mortgage or own the home free and clear.