What law-and-ordinance pays
- Cost of building to current code
- Upgraded materials required by code
- Permit costs
- Inspection fees
- Demolition required by code
Typical tiers
10% of Coverage A
- Standard baseline many policies
- Minimal coverage
- Often inadequate for major code-upgrade events
25% of Coverage A
- Common upgrade
- Meaningful protection
- Most Florida policies can add this
50% of Coverage A
- Comprehensive coverage
- Larger-loss protection
- Reduced risk to homeowner
When law-and-ordinance applies
- Florida Building Code updates
- Local jurisdiction changes
- Post-loss code upgrades triggered
- Specific Florida HVHZ requirements
How to claim
Identify triggering code requirement
- Get permit office citation
- Contractor statement
- Specific code section
Calculate delta
- Like-for-like rebuild cost
- Current code-compliant rebuild cost
- Difference = law-and-ordinance recovery
Submit specifically
- Cite the endorsement
- Document the code requirement
- Submit as separate line in claim