{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Ordinance or Law Coverage in California: Paying for Code Upgrades After a Fire","html":"","width":"100%","height":180,"duration":766,"description":"Here is a sentence heard more than once from California homeowners after a fire: I had replacement cost, so why is there a gap? The policy paid to rebuild the house that stood there, but the city would not let them rebuild that house. The code says you must build to today's standards: fire resistant siding, ember resistant vents, new electrical, maybe solar, maybe a sprinkler system. That difference has a name. It is called ordinance or law coverage.\nAaron Bollinger of Bollinsure Insurance Services explains how building code upgrades are paid for after a loss, why they matter so much in California wildfire country, what a standard policy gives you, how to buy more, what is excluded, and a claim example with numbers.\nWhat we cover:\nWhy building codes change, Title 24, and the wildland urban interface (WUI) rules in Chapter 7A of the California Building Code\nGrandfathering, and why it ends once a house is destroyed or badly damaged\nWhat high fire hazard areas can require: Class A roofs, ember resistant vents, tempered or multi-pane glass, defensible space\nThe ordinance or law exclusion and the 10% additional coverage on the ISO HO 00 03 form\nWhy extended replacement cost is a different thing from code upgrade coverage\nThe three pieces on commercial forms (CP 04 05 Coverage A, B and C)\nWhy wildfires make the code layer large, and California's 36 month post-disaster replacement cost window\nClosing the gap: HO 04 77, premium tiers, the FAIR Plan with a DIC policy, and commercial limits\nWhat ordinance or law does not do: upgrades with no loss, excluded perils like earthquake, prior violations, pollutants, and cash settlements\nExample: Daniel's Ventura County rebuild with 10% versus 50% ordinance or law\nFour questions to ask about your own policy\nResources:\nAll Speaking of Insurance episodes\nHome insurance in California\nRead the guide: Ordinance or law coverage in California\nClarifications\nAround 2:28, \"five sprinklers\" means fire sprinklers. Some jurisdictions require...","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}