Attorney KC Williams explains Ordinance or Law Coverage.

It is no secret that insurers scrutinize claims thoroughly. When a home or business is damaged, rebuilding may require expensive upgrades to comply with modern building codes and other laws, especially if a structure is more than a few years old.

Insisting on law and ordinance coverage is smart, but when an insurance company delays, disputes or denies a claim with ordinance and law coverage in place, or offers a settlement that does not compensate the policyholder for the extra costs associated with rebuilding "up to code," the insurance company may be acting in bad faith.

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