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The Property Risks You Might Have Overlooked

When property damage forces you to rebuild or remodel, you most likely will have to bring your construction up to current building codes. Most homeowners policies exclude coverage for loss due to complying with an ordinance or law regulating construction, repair or occupancy of any building. So, your policy might not cover the additional costs of bringing it up to current codes. 

How old is your home? Any building more than a few years old might not comply with current building codes. And that can create problems. 

Increased Cost of Construction

To make matters worse, after a portion of your home is damaged, local authorities can require you to repair undamaged portions to bring them up to current codes. And since remodeling usually costs more on a square-foot basis than new construction, these repairs can be costly.

A homeowners policy will protect your home from loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover.

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