What Is Ordinance or Law Coverage for Your Home?

When an older home is seriously damaged, rebuilding it often has to meet current building codes, which can be stricter and more expensive than the standards the home was originally built to. Ordinance or law coverage is designed for exactly that gap.

The gap it fills

A standard policy generally pays to repair your home as it was. But if code now requires upgrades, such as a stronger roof or updated electrical, the extra cost of meeting code may not be covered without ordinance or law coverage. In a state like Florida with evolving building standards, this can matter.

Why it matters more for older homes

The older your home, the wider the gap between how it was built and what current code requires, so this coverage tends to be most valuable for older properties.

What Truscott recommends

Ask whether your policy includes ordinance or law coverage, especially for an older home. Learn how home features affect your policy through a quote, or read about your Florida coverage options.