Is your home construction up to code?

When your house, garage, barn or other premises is damages in a covered insurance loss, you are paid to replace the same type of materials as were damages.

If your town or city passes building construction and repair codes that require "upgraded" or different materials than those presently used in your current building construction, the additional cost of "bringing your home up to code" after a loss could be staggering.

Typical code requirements involve plumbing & heating equipment, wiring, and even roofing materials! This additional cost of upgraded materials to repair to "code" is not covered under your homeowners policy.