If my home is destroyed and needs to rebuilt, will my homeowners' insurance cover the building permits needed under local laws?

Ordinance or law coverage is a specific type of homeowner’s insurance coverage that covers all necessary costs of rebuilding or repairing your home as required by local laws or ordinances. Thus, if your contractor needs a building permit to repair damage to your home, your homeowner’s insurance policy should cover the cost of the permit if your policy contains ordinance or law coverage. 

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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