Increased Cost of Construction

The part of ordinance-or-law coverage that pays the extra expense of rebuilding to current codes — newer wiring, stronger roofs — after a covered loss.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.