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What is Ordinance or Law coverage? Do you think I should buy it?

6/6/2013

72 Comments

 
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There are so many things that should be considered before you purchased insurance.

For example; you already know that every community has building ordinances or zoning laws that affect how houses are built or updated.

But did you know that there are also laws and ordinances that govern how or whether a house can be repaired after a loss?

When you have a loss that damages part of your house, the repairs, in many situations, must be made to the specifications of any regulations that are in effect at the time of the loss.

It doesn’t really matter if everything met code when your house was built. What matters now is the new building code.

Even more important than that, there are regulations that may compel you to tear down the house if the damage is more than 40–50 percent of its value.

You’re probably thinking: “So how does that affect me? Isn’t that what insurance pays for?"

Well…the answer is yes and no at the same time! Insurance pays for the cost to repair or replace the damaged part of the building.

Think of it this way: if the value of your house is $200,000 and you have $100,000 in damage, insurance pays for the damage (minus your deductible, of course).

But now that your house has sustained damage equal to 50 percent of its value, the law kicks in and requires you to tear it down—damaged and undamaged parts—and rebuild the whole thing!

Now, since insurance pays for the damaged part of the building, but even the undamaged part has to be torn down, where does the other $100,000 come from? Well, that’s where Ordinance or Law coverage comes in.

There are very few total losses; partial losses are far more likely. But a partial loss could trigger the enforcement of an ordinance or law that could cause you to have to pay more than the amount of loss covered by your policy.

Additional coverage may be purchased that would help pay for the value of the undamaged part of the house and the increased cost to rebuild according to the new code.

Replacement value doesn’t mean upgrade cost what if this happened to you…A fire causes major destruction to your building.

Because more than 50% was damaged, a local by-law requires the building to be torn down and rebuilt to current building codes.

You’re a responsible person and take the necessary steps to maintain your property.  You have replacement cost value on your policy, so you’d be fully covered…right?  Not necessarily.
​
Property insurance policies generally have an “Ordinance or Law” exclusion, which means that the policy covers the building as it exists, but it does not cover the cost to upgrade the building to current building codes and ordinances after a loss.  

Therefore, having “replacement cost” coverage for your building does not mean that you have “upgrade cost” coverage, unless you purchase an “Ordinance or Law endorsement” for your property.  

Even if a property policy offers some built-in Ordinance or Law protection, often the amount of coverage isn’t sufficient in a major loss.

Building codes and zoning laws affect every piece of property no matter how big or small. These laws are continually changing…requiring new or improved features such as better wiring, handicap access, sprinkler systems and more.

​If a loss situation triggers code upgrades, it could be financially devastating unless you have Ordinance or Law coverage.

While some regard this coverage to be important only for older buildings, laws are always changing, and newer buildings can be affected. This is an area of concern for all building owners.

How ordinance and law coverage protects you:
  1. Coverage for the undamaged part of your building. Your property insurance policy only protects you against actual damage caused by a covered cause of loss to a building. It doesn’t cover the cost to replace an undamaged portion of your building that is required to be torn down and rebuilt because of a local ordinance. The Ordinance or Law, Part A provides this protection based on the coverage limit you select.
  2. Demolition costs. While property insurance covers debris removal for a portion of property damaged by a covered peril, it doesn’t cover demolition expenses for an undamaged portion of a building that has to be removed. Part B of Ordinance or Law provides this coverage. Since demolition costs vary based on building size and other factors, be sure that the limit you select reflects your building’s structure.
  3. Increased cost of new construction. It’s wise to assess exactly what types of upgrades could be required if you had a major loss, i.e. sprinkler systems, elevators, wiring, septic system, etc. The limit you set for Part C requires serious consideration and talking with a contractor may be helpful in determining the appropriate level of protection.
If you aren’t sure that your policy provides protection for Ordinance or Law situations or you know that you don’t have coverage and want more information, our trusted Associates are glad to review your policy and discuss options.

Add Ordinance or Law Coverage to your Policy
72 Comments
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It doesn’t cover the cost to replace an undamaged portion of your building that is required to be torn down and rebuilt because of a local ordinance. I truly appreciate your great post!

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A partial loss could trigger the enforcement of an ordinance or law that could cause you to have to pay more than the amount of loss covered by your policy. I truly appreciate your great post!

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I completely agree with the importance of ordinance or law coverage. It's one of those aspects of insurance that often gets overlooked, but it can make a huge difference in the event of a loss. Building codes and zoning laws are constantly evolving, and if your home is damaged, you may be required to bring it up to the current standards when rebuilding. Without ordinance or law coverage, you might find yourself facing unexpected expenses. It's a small investment compared to the potential costs you could incur if you don't have this coverage. So, yes, I believe it's worth considering when you're shopping for insurance.

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11/3/2023 09:08:17 pm

Understanding ordinance or law coverage is essential for homeowners. It's not just a matter of repairing or replacing the damaged part of your house; it's about ensuring that the repairs comply with the latest building codes and zoning laws. These regulations can change over time, and they may require you to make costly modifications to your property in the event of a loss. Ordinance or law coverage steps in to cover these additional expenses, which can be a significant relief when you're already dealing with the stress of a loss. So, should you buy it? Absolutely!

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I completely agree that there's a lot to think about when it comes to purchasing insurance, especially when it comes to something like ordinance or law coverage. It's not something that's often talked about, but it can be incredibly important.

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You've made an excellent point about the significance of ordinance or law coverage in insurance policies, especially for homeowners. Building codes and regulations can indeed change over time, and in the event of damage or loss to a property, the cost of bringing it up to current standards can be substantial.
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You've provided an excellent and clear explanation of the importance of ordinance or law coverage for homeowners. It's not always apparent to homeowners how building codes and zoning laws can impact the cost of repairs or rebuilding after a loss. Your explanation highlights the critical role this coverage plays in ensuring that homeowners are protected from unexpected and potentially substantial expenses that may arise due to compliance with evolving regulations.

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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
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