Glossary · coverage
Ordinance or Law Coverage
Pays for code-required upgrades during rebuild.
When repairs must meet current code (not original construction code), ordinance or law pays the gap. Typically 10-25% of Coverage A; sometimes an endorsement.
In practice
Where you encounter "Ordinance or Law Coverage" in Florida claims
Policyholders see "Ordinance or Law Coverage" 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 and FS 627.70131.
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Know these too
Related terms
Named Insured
The person explicitly listed on the policy declarations page.
Additional Insured
A person or entity added to a policy for limited coverage.
Rider
Another term for endorsement, often used for scheduled items.
Policy Period
The dates during which your policy is active.
Effective Date
The date coverage begins.
Expiration Date
The date coverage ends unless renewed.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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.
Go deeper
Where else this term matters
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Glossary
Related insurance terms
Replacement Cost Estimator
Related glossary entry: Replacement Cost Estimator.
Premium
Related glossary entry: Premium.
Independent Adjuster
Related glossary entry: Independent Adjuster.
Ozone Treatment
Related glossary entry: Ozone Treatment.
Experience Modifier
Related glossary entry: Experience Modifier.
Property Schedule
Related glossary entry: Property Schedule.
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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