Building Codes Coverage
Insurance that pays for the additional costs of repairs or rebuilding to comply with current building codes that weren't in effect when the home was originally built.
Detailed Explanation
When rebuilding after a covered loss, local building codes may require upgrades to electrical systems, plumbing, insulation, or other elements. This coverage helps pay for these code-required improvements that basic dwelling coverage doesn't include.
Practical Example
After a fire severely damaged David's 1960s home, building codes coverage paid for the additional costs of installing GFCI outlets, hardwired smoke detectors, and upgraded insulation that current building codes required but weren't part of the original home.
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