The short answer
Ordinance or Law pays the additional cost to rebuild to current code after a covered loss — think updated electrical, hurricane strapping, egress windows. Base HO gives 10% of dwelling; increase to 25% or 50% on older homes for $20–$60/year.
Frequently asked
- What if the city won't let me rebuild?
- Demolition and debris removal are also covered under O&L.
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