What this means for your claim
If your 1990 home's roof is damaged and current Florida building code requires truss tie-downs and impact-rated underlayment, basic policy coverage pays only what's needed to restore the original (pre-code) structure. Law and ordinance coverage pays the difference.
In post-SB 2A Florida, code upgrades can add 15-40% to the cost of a roof replacement. Without law and ordinance coverage, that additional cost falls on the homeowner.
Florida specifics
Florida Statute 627.7011 permits carriers to require replacement cost to include a law and ordinance endorsement, typically sublimited to 25%. Verify the specific language in your policy; many policyholders have 10% or no law and ordinance coverage and don't realize it until a loss.