If you were to ask 100 people if they had Ordinance or Law coverage, very few would be able to answer. The problem is that Ordinance or Law coverage is often overlooked, leaving you, the homeowner exposed to large, uncovered losses!

As your home or buildings age, your local building codes also change to reflect higher construction standards. If your property suffers a loss, you will be expected to repair it in compliance to the newer building codes. Simply replacing the house or building may not meet the building code.

As an example, your house was built in the early 1950's and the building code at the time of construction required a ground clearance of 5 feet and in 1990 the building code was changed to reflect a 10' clearance following a flood a few years earlier. In order for you to repair the structure, it would have to comply with the NEW code. Complying with the building code will require additional costs in the design and cost for labor and materials.

The costs associated with complying to government standards are NOT COVERED under traditional insurance policies. They are specifically excluded under the exclusions & limitations portion of the policy.

Ordinance or Law coverage can alleviate this headache before it arises. If your town or local building codes have changed since you built or purchased your home, then we recommend you purchase this protection. It is in your best interest!

If you have further questions about Ordinance or Law coverage, please contact us.

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