🏗️ Ordinance or Law Coverage
What It Does:
This coverage helps pay extra costs required to repair or rebuild your home to current building codes after a covered loss — something standard policies don’t fully cover.
✅ What’s Covered
- Increased construction costs if local laws require:
- Upgrades to electrical, plumbing, or insulation
- Elevating a structure (e.g., for flood compliance)
- Partial demolition and rebuilding
- Applies when repairs are due to a covered event, like fire or storm damage
🚫 What’s Not Covered
- Upgrades you choose voluntarily
- Repairs unrelated to a covered loss
- Code compliance that was already required before the loss
💡 Real-Life Example
Your 30-year-old home is damaged in a fire. Local code now requires all homes to have updated electrical systems and fire-rated walls. This coverage helps pay the additional costs to bring your home up to code during the rebuild.
💵 Coverage Limits:
- $20,000 (Basic)
- $25,000 (Plus)
- $40,000 (Select)