After a covered property loss, many business owners expect to simply repair or replace the damaged portion of their building. However, rebuilding isn't always that straightforward. Local building, land use, or zoning requirements may require additional work before reconstruction can begin, increasing both the scope and cost of the project.

Building Code/Law Coverage is designed to help address many of these additional expenses. Depending on the policy, it may help cover the cost to demolish undamaged portions of a building when required by code, clear the site, and pay the increased cost to rebuild or repair in compliance with current building code requirements following a covered loss. These costs can add up quickly and may not be covered by a standard property policy alone.

Understanding your commercial property's coverage before a loss occurs can help prevent unexpected financial surprises during the rebuilding process. If you have questions about Building Code/Law Coverage or would like to review your current policy, contact your independent Farmers of Salem agent. They can help you determine whether your coverage aligns with your property's needs.