Why ordinance or law matters
Ordinance Or Law can change how a quote, declaration page, or claim payment should be read. In practical terms, it is about coverage for code upgrade costs after a covered loss.
Questions to ask
- Where does this appear in the policy or declarations page?
- Is it included, excluded, or added by endorsement?
- Does a separate limit or deductible apply?
- Could state or carrier wording change the answer?