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Understanding Ordinance and Law Coverage in Home Insurance Policies

Ordinance and Law coverage can be a lifesaver in specific situations. Make sure you know how it works.


What is Ordinance and Law Coverage?

Ordinance and Law coverage helps pay for the additional costs of rebuilding or repairing your home to comply with current building codes and laws after a covered loss.


Building codes compliance can increase repair costs.


Situations Where This Coverage is Applicable

  1. Upgrading to Current Building Codes: When laws have changed since your home was originally built.

  2. Partial Damage: Covering the cost of demolishing undamaged portions if required by law.

  3. Compliance with Zoning Laws: Making necessary adjustments to meet local zoning requirements.


Ordinance and Law coverage can cover additional costs.


How to Ensure You Have Adequate Coverage

  • Review your insurance policy to confirm Ordinance and Law coverage.

  • Assess the potential additional costs for compliance with local laws.

  • Consult with your insurance agent to adjust coverage if necessary.


Ensure your coverage meets potential compliance costs.


Real-Life Examples of How This Coverage Can Help

Example 1:

  • A home partially destroyed by fire needed updates to meet new fire safety codes. Ordinance and Law coverage paid for these additional expenses.

Example 2:

  • After a hurricane, a homeowner had to rebuild to meet new windstorm resistance requirements. The additional costs were covered by Ordinance and Law coverage.


Real-life examples of how Ordinance and Law coverage assists.


Ordinance and Law coverage is a crucial part of your home insurance policy that can save you from significant out-of-pocket expenses. Ensure you understand and maintain adequate coverage to protect your investment.

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