Does your Public Adjuster, using the Law and Ordinance provision of your policy, know how to fight for roof replacements and electrical upgrades for your home even if you have damages in the $1,000-$2,500 range?
What Is Law and Ordinance Coverage?
Law and Ordinance Coverage, in its simplest terms, is a type of insurance coverage for the higher-than-expected cost of repairs due to the implementation of a local law or ordinance, such as an updated building code. For example, if a certain portion of your roof is damaged and must be repaired, the building code may require the entire roof to be replaced. In another example, a porch may need to be completely rebuilt. However, the building code requirements may have changed, and therefore, if it is rebuilt to its condition prior to being damaged, it may now be in violation with the current building code, because it lacks certain features that are currently required. In both of these situations, a policy’s Law and Ordinance Coverage would provide coverage for replacing the entire roof, or building the porch in a manner that is compliant with the current building code. This type of coverage is especially useful in Miami-Dade cities such as Aventura, Miami Beach, Sunny Isles Beach, South Beach, and Bal Harbour, which have a history of building development that goes back many years.
Do I Need Law and Ordinance Coverage?
Residents of Miami-Dade County, such as those that live in Bal Harbour, South Beach, Miami Beach, Aventura, and Sunny Isles Beach, enjoy the fact that Florida law requires all homeowner insurance policies to provide Law and Ordinance Coverage. This requirement became law after many homeowners were unable to obtain the necessary building permits and insurance funds to rebuild or repair their homes after Hurricane Andrew.
Most revisions to building codes create higher standards, which usually coincide with more expensive materials and building techniques. However, these newer codes generally do not apply retroactively, unless the building requires a certain amount of repair or construction, which often happens after a hurricane.
How Will Florida’s Best Public Adjusters Help Me?
Insurance companies make mistakes, even companies that write policies in Miami Beach, Aventura, Sunny Isles Beach, South Beach, and Bal Habour. Sometimes their adjusters are not aware of every single local law, ordinance, or building code when they assess damage to your home. The adjuster may truly believe only a portion of your roof needs to be repaired, or that your plumbing or electrical system can be replaced to the same specifications before the loss occurred. However, you may not figure out that they were wrong until later on, delaying repairs so that proper permits can be obtained or adequate insurance proceeds received. Florida’s Best Public Adjusters can help you properly and quickly identify the insurance proceeds you are rightfully entitled to under your insurance policy and Florida law thus ,enabling many homeowners to obtain entire roof replacements courtesy of their insurance companies rather than money for modest repairs. Call 1(800)-952-7693 today for a free claim review.
