Ordinance or Law Insurance - Let us find your best coverage - coverage for building code upgrades after a loss
Older buildings often must be rebuilt to current code after a loss, and carriers look at year built, system updates and how much of the building would need to be torn down. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Ordinance or Law (Commercial) Quote Request
Applicant Information:
Have these handy
- Year built and updates
- Building value
- Any open code violations
- Lender requirements
Related coverage
What Ordinance or Law coverage includes
Older buildings often must be rebuilt to current code after a loss, and carriers look at year built, system updates and how much of the building would need to be torn down.
- Undamaged portion - Value of the undamaged part you must tear down.
- Demolition cost - Cost to tear down and clear the site.
- Increased cost - Added cost to rebuild to current code.
- Accessibility upgrades - Required ADA and access improvements.
- Business income - Extra time to rebuild to code.
Good to know: buildings over 25 years old usually need it, and lenders often require Coverage A, B and C limits.
Not covered: code violations you were told to fix before the loss, and pollution or mold cleanup.
Insurance Application:
Ordinance or Law (Commercial)Begin Application
Required forms
Ordinance or Law (Commercial) Supplemental Application (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach it with your quote request.
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