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Rebuild me to the new building code!

Insurance:  Ordinance and Law Coverage – What you need to know!

An important coverage available to building owners is “Building Ordinance and Law Coverage.” This coverage is sometimes included in property insurance policies and can be added by endorsement for an additional premium. In some situations (as mandated by Florida statutes) certain policies must include ordinance and law (O&L) coverage unless the client rejects the coverage in writing. Whether the coverage is statutorily required or not, it’s a very valuable option and all building owners (residential or otherwise) should be encouraged to obtain the coverage in order to provide the best possible protection. Read the rest of this entry