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?

Miami-Dade-County-home-destroyed-by-storm-damageWhat 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.

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Aaron Skloff
Aaron Skloff
October 30, 2023
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika Clancy
Erika Clancy
May 1, 2022
Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken Fraidin
Ken Fraidin
April 8, 2022
Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.
Miriam B. R.
May 6, 2021
Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha Hyman
Nekisha Hyman
May 5, 2021
Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomon
scott solomon
May 4, 2021
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
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