Okla. Stat. tit. 36, § 36-999.3: Definitions

As used in the Oklahoma Subsidence Insurance Act:

1. “Commercial building” means any building, other than a

residence or living unit, permanently affixed to realty located in

this state, including basements, footings, foundations, septic

systems and underground pipes directly servicing the building, but

does not include sidewalks, driveways, parking lots, swimming pools,

patios, pilings, piers, wharves, docks, retaining walls, fences,

land, trees, plants, crops or agricultural field drainage tile;

2. “Commercial coverage” means mine subsidence insurance for a

commercial building;

3. “Insurer” or “insurers” means insurance companies and

reciprocals licensed and authorized to write homeowner’s insurance

and commercial property insurance policies in this state;

4. “Living unit” means the physical portion designated for

separate ownership or occupancy for residential purposes, of a

building or group of buildings, permanently affixed to realty

located in this state, having elements which are owned or used in

common, including an apartment unit, a condominium unit, a

cooperative unit or any other similar unit, including appurtenant

structures, basements, footings, foundations, septic systems and

underground pipes directly servicing the dwelling or building, but

does not include swimming pools, patios, pilings, wharves, docks,

retaining walls, fences, sidewalks, driveways, land, trees, plants,

crops or agricultural field drainage tile;

5. “Living unit coverage” means mine subsidence insurance for a

living unit;

6. “Mine subsidence” means lateral or vertical ground movement

caused by a failure initiated at the mine level, of man-made

underground mines, including, but not limited to, coal mines, clay

mines, lead and zinc mines, limestone mines, and fluorspar mines

that directly damage residences or commercial buildings. “Mine

subsidence” does not include lateral or vertical ground movement

caused by earthquake, landslide, volcanic eruption, soil conditions,

soil erosion, soil freezing and thawing, improperly compacted soil,

construction defects, roots of trees and shrubs or collapse of storm

and sewer drains and rapid transit tunnels;

7. “Policy” or “policies” means any contract or contracts of

insurance providing the coverage of the Standard Fire Policy and

Extended Coverage Endorsement on any residence, living unit or

commercial building. It does not include those insurance contracts

that are referred to as marine or inland marine policies;

8. “Residence” means a building used principally for

residential purposes up to and including a four-family dwelling,

permanently affixed to realty located in Oklahoma, including

appurtenant structures, basements, footings, foundations, septic

systems and underground pipes directly servicing the dwelling or

building, but does not include living units, swimming pools, patios,

pilings, wharves, docks, retaining walls, fences, sidewalks,

driveways, land, trees, plants, crops or agricultural field drainage

tile; and

9. “Residential coverage” means mine subsidence insurance for a

residence.