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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
Coverage details
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)
Required forms
Ordinance or Law (Commercial) Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm