When homes are struck by disaster, homeowner’s insurance is there to help those affected by disaster rebuild their homes. However there are thousands of older buildings and homes in the United States, and each year building codes are updated which could make it difficult for a person to receive the compensation they need to reconstruct their damaged home.
Law and ordinance coverage can help homeowners get the coverage they need if their home was damaged and new building and fire codes are going to make the cost of repairs higher than expected. When a home needs repairs an application to the local building code department is likely sent, the department may reject the application if their standards have changed and thus an entire portion of the home needs to be replaced rather than just the damaged portion.
Law and ordinance coverage may help to cover these costs and will likely cover a predetermined amount as set forth by the policy that was chosen.
If you’re unsure of what type of laws are in your state or are questioning if this coverage is available to you or a loved one who experienced home damage, contact Arguello, Hope & Associates to assist you in understanding your homeowner’s insurance policy.
For a free, no-obligation evaluation of you incident, fill out the ‘FREE CASE REVIEW’ form to your right.
What Is Covered?
- The increased cost to repair or rebuild your home damage to meet current code.
- The cost to demolish debris from the undamaged part of your home that has to be torn down. In some jurisdictions, ordinance laws may call on a partially damaged building to be totally demolished.
- Loss of the value of the undamaged portion of a home that must be torn down or demolished to meet the building codes.
The increased cost of reconstruction may also include labor fees by architects or engineers who work on creating the new structure that will follow the up-to-date building codes.
Possible Causes of Damage
The damages that may occur in a home may be environmental or caused by other parties such as a vehicle smashing into the front door of a home.
Some common home damage causes include (but are not limited to):
The most recent law and ordinance coverage laws exclude damage caused by fungus, wet or dry rot, and bacteria and the costs associated with monitoring, cleaning, detoxifying, and disposing of these pollutants.
Many laws are also being enacted to control the rebuilding of damaged homes near earthquake faults and in places prone to tornadoes, hurricanes, and other natural disasters.
Contact Our Insurance Claims Attorney Today
Homeowner’s insurance can be difficult to explain as most documents are drawn up using legal documents that only insurance providers and adjusters can truly understand. At Arguello, Hope & Associates we understand how confusing signing up for homeowner’s insurance can be, especially if you experience pushback from your insurance company when trying to make a claim.
If you or a loved one are currently seeking homeowner’s insurance or are in the midst of struggling with an insurance company that is unwilling to finalize your claim properly, our lawyers can help. Our team of lawyers are experienced in handling insurance claims and can help you get the compensation you deserve.
Our main office is located in Houston, Texas but we are also pleased to serve the following areas:
Contact us at 1-888-CLAIM-68 (1-888-252-4668) for a free, no-obligation evaluation of your insurance claim by one our knowledgeable attorneys.
If you prefer to contact us online, simply fill out the ‘FREE CASE REVIEW’ form at the top left hand corner of this page and your claim will be assessed immediately.