Pennsylvania runs a state mine subsidence program.
Frozen pipes and ice dams, not storms.
One office, straight answers.
What we write
What we check on a Pennsylvania house
- Whether you are over mined-out groundPennsylvania operates a state mine subsidence insurance program, which exists precisely because ordinary policies treat ground movement differently. Whether your address needs it has an actual answer. TODO: confirm the program's current name and how it is bought before publishing.
- Frozen pipes and ice damsThe most common winter claim here, and the policy language about an unoccupied or unheated house is where people get caught.
- What an older roof is worth on a claimMuch of the housing stock is old. Replacement cost against actual cash value is the line that decides the payout.
- That every discount is onAlarms, newer roof, claims-free history, multi-policy.
About David Igono
David Igono is a licensed agent writing in Pennsylvania from an office in Morgantown, West Virginia.
Licensed in
Experience
- Over 5 years of relevant experience
- Several years working in banking in the Morgantown area
In the community
- Chamber of Commerce
- Rotary Club of Morgantown
- Fellowship of Christian Athletes
Outside the office
- Attending WVU sports games
- History
Credentials and awards
- Best of Morgantown Insurance Agency
- Property and Casualty Insurance License
How it works
- Tell us about the propertyAddress, rough age, anything unusual.
- A licensed agent reviews itNot an automated estimate.
- Quote back within 24 hoursBy email, coverage written out plainly.
Common questions
Ordinary policies treat ground movement differently from storm damage, which is why Pennsylvania runs a separate mine subsidence program. Worth checking your address.
Usually, but the policy has conditions about heating an unoccupied house. Those conditions are where claims get denied.
No.
Within 24 hours, by email, from the Morgantown office.
Our office
Morgantown, WV 26505
Request a quote
Enough to price it properly, nothing more. We never ask for your Social Security number or your current policy number.