Home Insurance Coverage Gaps You Might Not Know Exist—Until It’s Too Late
TGS
JUNE 11, 2025
Ordinance or Law Coverage If your home is damaged and you need to rebuild, local building codes might require you to update your electrical, plumbing, or structural systems—even if the undamaged portions are still “okay.” How to fix it : Add a sewer or water backup endorsement. Your base policy won’t usually pay for these upgrades.
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