Ordinance or Law Coverage
Insurance Glossary
Coverage for the added cost of rebuilding to current building codes after a covered loss, which a standard policy does not otherwise pay. When an older home is damaged, code upgrades to wiring, plumbing or roof fastening can add substantially to the rebuild, and the policy would otherwise pay only to restore what was there. It can also pay to demolish and clear undamaged portions that a code requires to be torn down, and it is usually added by endorsement as a percentage of the dwelling limit.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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