Service Add-Ons

Law and Ordinance Coverage is a type of insurance that provides protection against the costs associated with complying with local building codes and ordinances when repairing or rebuilding a property after it has been damaged by a covered event such as a fire or natural disaster. These building codes and ordinances are regulations set by local government authorities that dictate the minimum standards for construction, safety, and other aspects of buildings. When a property is damaged, the insurance policy typically covers the cost of repairing or rebuilding to the extent required by the current building codes. However, Law and Ordinance Coverage extends this protection to cover any additional costs that arise due to the enforcement of updated or more stringent codes that may have been introduced since the original construction of the property.

Law and Ordinance Coverage is crucial because it ensures that you are financially prepared to meet the requirements of modern building codes and ordinances in the event of property damage. Without this coverage, you might find yourself responsible for the extra expenses involved in upgrading your property to current code standards, which could significantly inflate the repair or rebuilding costs beyond what a standard insurance policy would cover. This coverage becomes especially relevant in regions prone to natural disasters or areas where building codes frequently change. By having Law and Ordinance Coverage, you can avoid unexpected financial burdens and ensure that your property is not only restored but also brought up to date with the latest safety and construction regulations.

Imagine: A tropical storm sweeps through your town in a swirl of debris, shattering a few of your home’s windows. You file a claim with your homeowners insurance company, expecting it to pay for new windows. But when it’s time to do the work, you discover that the latest building codes in your area require hurricane shutters or impact-resistant glass on all windows — neither of which you had.
Your homeowners policy will pay enough to replace your windows with similar ones to what you had. However, it won’t cover the additional cost of upgrading the glass or buying shutters.

In a scenario like this, ordinance or law coverage can come in handy.