When rebuilding after a loss, local building codes might require updated materials, energy-efficient replacements, or structural changes, which can be costly. Ordinance or law coverage helps with:
- Coverage for Code Compliance: This coverage pays for the extra expenses required to bring your home up to current building codes during repairs or rebuilding.
- Percentage of Dwelling Coverage: It’s usually offered as a percentage (e.g., 10% or 20%) of your dwelling limit, but check if you need more based on local code costs.
- Older Homes: Especially important for homes with outdated structures or materials that are likely to need upgrading after a major repair.
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