My renewal contains a notice about Water and Sewer Backup as well as Building Ordinance or Law Coverage. What is this?
The State of Virginia feels so strongly that you should consider these coverages that they require all companies to include these notices at renewal. These are normally excluded by most Homeowners policies. ( Though better companies, like Safeco, may include these coverages automatically ) If your property is subject to water which backs up through your sewer or drains, be sure to add this coverage. Building Ordinance/Law coverage provides protection when a building damaged by a covered peril must be repaired or rebuilt in a more costly manner because the original construction does not comply with the current building codes. Both of these coverage options can be obtained for a nominal charge.
