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Ordinance or Law

Ordinance or law coverage pays the extra cost of rebuilding a damaged home up to current building codes when those upgrades exceed what the base policy covers. It is especially important for older homes.

Pays the extra cost to rebuild a damaged home up to current building codes. Example: a 1970s home suffers a kitchen fire. Local code now requires updated wiring, GFCI outlets, and code-compliant HVAC venting throughout the affected wing. The base policy pays for damage. Ordinance or law pays the $25,000 of mandatory upgrades on top.