Ordinance and Law Coverage

Limited Code Upgrade Coverage Means No Full Replacement Costs

Jan 16, 2026 By Chip Merlin

The Small Print That Could Cost You Thousands: Lessons from Minnesota’s Latest Insurance Ruling on Building Codes

Aug 03, 2025 By Chip Merlin

Built to Code—Not to Carrier Convenience. OID Has to Step in to Remind Insurers to Do the Right Thing

Jun 30, 2025 By Larry Bache

Understanding the Total Constructive Loss Doctrine in Property Insurance Policies

Apr 30, 2025 By Chip Merlin

Insurance Coverage After a Raze Order: Strategies for Overcoming Ordinance or Law Exclusions

Apr 28, 2025 By Chip Merlin

The Two-Year Time Frame to Complete Ordinance and Law Construction—Ask for Extensions of Time to Repair and to File Suit

Aug 12, 2024 By Chip Merlin

Can Insurance Companies Ignore Building Codes and Local Building Officials? Damaged Old Roof Tiles No Longer Manufactured Cause Significant Insurance Disputes

Apr 12, 2024 By Chip Merlin

Interpreting “Incurred”: Its Plain and Ordinary Meaning in an Insurance Ordinance or Provision

Feb 01, 2024 By Merlin Law Group

Colorado Emergency Regulation 22-E-15 Concerning the Marshall Fire and Law & Ordinance Coverage

Aug 23, 2022 By Marc Duroe

What Does Demolition and Value Mean Under Coverage A of the Ordinance and Law Coverage?

Jun 27, 2022 By Chip Merlin

Total Loss Does Not Mean Supplemental Coverages Get Paid—Ceballo Overruled Mierzwa So That Law and Ordinance Does Not Get Automatically Paid Following a Total Loss

Jun 14, 2021 By Chip Merlin

Law or Ordinance: When Should It Be Applied?

Dec 09, 2020 By Merlin Law Group