July 21, 2026

What is “Ordinance or Law” coverage and why it matters for an older Austin roof

If you own an older home in Austin and file an insurance claim for storm damage, you could be hit with a hidden $1,500 to $4,000+ surprise: code upgrade costs. Standard home insurance pays to replace damaged materials with “like-kind and quality.” But if local building codes have updated since your roof was installed, your …

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