Ordinance or Law Insurance

What is the definition of Ordinance or Law Coverage?

Ordinance or Law Coverage serves as an endorsement to an existing policy and protects the insured against costs related to city or municipal laws or ordinances. This means any extra expenses relating to the need to comply with building and safety codes.

The Ordinance Coverage is applied to insurance policies covering property, such as homeowners insurance.

An example of this would be the case where a house is required to be built 5 feet above the ground, in accordance with a new building ordinance, or an upgrade of an existing ordinance. When the house is to be rebuilt after it was destroyed by the storm, the extra expenses required in order to comply with this ordinance will be paid by the ordinance coverage.