Ordinance or law insurance coverage is an optional add-on to your homeowners insurance policy that can be

crucial in certain situations. This insurance coverage helps pay for the increased costs to rebuild your home if it's

damaged by a covered peril and local building codes have changed since your home was built.

Why Do You Need Ordinance Law Insurance ?

Building code upgrades: If your home is older, it may not comply with current building codes. If a

covered loss occurs, you'll need to bring your home up to code to rebuild. Ordinance or law coverage

helps cover these additional costs.

Increased construction costs: Building codes often require more expensive materials and labor, which

can significantly increase the cost of rebuilding your home.

Factors to Consider for Homeowners Ordinance Law Insurance

Age of your home: Older homes are more likely to require code upgrades.

Location: Areas with strict building codes may benefit more from this coverage.

Financial situation: Can you afford the potential increased costs of rebuilding without coverage?

While it;s not mandatory, ordinance or law coverage can provide valuable protection.

Examples of possible claims

Your 30-year-old home suffers wind damage to the roof. Local building codes have since become stricter

regarding wind resistance. Ordinance or law coverage can help pay for the additional costs of bringing

the roof up to code (e.g., stronger materials, anchoring systems).

Fire damage with updated electrical code requirements A fire damages your home's electrical system.

The current building code mandates rewiring the entire house, which wasn't necessary when your home

was built. Ordinance or law coverage can contribute to the cost of upgrading the electrical system to

meet the new code.