Ordinance and Laws Coverage – Homeowners Insurance Melbourne, Florida
Ordinance and Laws Coverage – Homeowners Insurance Melbourne, Florida Insurance Center of Central Florida www.theinsurancecenter.us Ordinance and Laws coverage, are you covered? Watch here, then log on to www.TheInsuranceCenter.us for complete details. Frank: I want to talk about a couple of coverages that are sort of particular to Florida and that you really need to address, especially with the hurricanes. Kevin’s going to start us with law and ordinance. Kevin: There’s a coverage under your homeowners policy that’s called law and ordinance or ordinance and law coverage, and what it that does is provides additional funds under your policy to cover the increased cost of construction to your home because of an ordinance or a law, not because of any direct damage. And what I mean by that is, for example, if you live in Brevard County, if you suffer damage to the framing of your window after a hurricane as is very common, as is very common that happens. The current building code says that when you rebuild that property, those windows have to be built to a certain strength, and there also have to be shutters involved. Frank: Either impact glass or shutters. Kevin: And when you think about Hurricane Andrew when it happened in the early ’90s down in the Homestead area, because of the catastrophic damage like nothing anybody had ever seen before from a hurricane — catastrophic damage — you’ve got local authorities coming out playing damage control trying to convince people …
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