Glossary · coverage
Ordinance or Law
Coverage for code upgrades required during rebuild.
If repairs must meet current code (not the code at original construction), Ordinance or Law covers the additional cost. Typically an endorsement or sublimit.
In practice
Where you encounter "Ordinance or Law" in Florida claims
Policyholders see "Ordinance or Law" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Related terms
Actual Cash Value
The depreciated value of damaged property.
Replacement Cost Value
The full cost to replace damaged property at current prices.
Hurricane Deductible
A percentage-based deductible for named hurricanes.
Coverage A
Dwelling coverage for the structure of your home.
Coverage B
Other Structures coverage.
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- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Go deeper
Where else this term matters
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Glossary
Related insurance terms
Price List
Related glossary entry: Price List.
Dwelling Form
Related glossary entry: Dwelling Form.
Payment Milestones
Related glossary entry: Payment Milestones.
Pure Loss
Related glossary entry: Pure Loss.
Insurable Value
Related glossary entry: Insurable Value.
Umpire
Related glossary entry: Umpire.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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