Pre-Loss
Ordinance or Law Coverage: Code Upgrades Explained
When repairs require current code, you may owe more than replacement cost. Ordinance or law closes that gap.
When repairs require current code, you may owe more than replacement cost. Ordinance or law closes that gap.
Pre-loss
Why this matters before you have a claim
When damage requires rebuilding, current building codes may require upgrades beyond pre-loss condition (hurricane straps, impact windows, electrical, plumbing). Ordinance or law coverage pays for the gap between pre-loss replacement and code-compliant rebuild.
What to do
The basics
- 01
Step 1
Check if ordinance or law is included or an endorsement
- 02
Step 2
Note the sublimit (often 10-25% of Coverage A)
- 03
Step 3
Understand it covers demolition costs too
- 04
Step 4
Increase limit if you live in a coastal county with frequent code updates
- 05
Step 5
Document all code-required upgrades during rebuild
Free claim review
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We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
Know the traps
Common mistakes
- XAssuming it is included (often an endorsement)
- XNot accounting for it in your limit selection
- XLosing sight of demolition-cost coverage
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
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Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
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 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
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.
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- ✓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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