Code upgrade claims

 Building codes are updated regularly to improve safety and construction standards. When repairing damage after a covered loss, some repairs may be required to meet current building codes rather than the codes that were in effect when the home was originally built. 

 Some insurance policies include Ordinance or Law Coverage, which may help pay for certain code-required upgrades after a covered loss. Coverage depends on your policy and the specific circumstances of the claim. Your insurance company determines whether these additional costs are covered. 

 Even when damage appears straightforward, required code improvements can affect the scope of work, project cost, permitting, and construction timeline. Identifying these requirements early helps homeowners better understand the repair process. 

Riverbend Renovation considers applicable building code requirements while preparing repair scopes and coordinating permits. When code-required work is identified, we document those requirements so they can be reviewed as part of the overall repair process.