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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. 
 

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