This endorsement adds Ordinance or Law coverage that applies to Coverages A and B as follows:

  • Increase Costs from Enforcement of Ordinance or Law – We will pay up to an additional twenty-five (25) percent of the Limit of Insurance under Coverage A or B for the increased costs you incur due to the enforcement of any ordinance or law that requires or regulates
    1. Construction, demolition, remodeling, renovation, or repair of parts of a covered “dwelling” or other structure damaged by a Covered Cause of Loss; or
    2. Demolition and reconstruction of undamaged parts of a covered “dwelling” or other structure necessitated by damage from a Covered Cause of Loss; or
    3. Remodeling, removal or replacement of undamaged parts of a covered “dwelling” or other structure necessary for completion of the remodeling, repair or replacement of parts damaged by a Covered Cause of Loss.

This is additional insurance.

  • Additional Debris Removal Expense – When damage from the Covered Cause of Loss and the increased costs described in paragraphs above, exhaust the applicable limit of insurance under Coverage A or B or the enhanced limit of insurance as provided under A above, we will pay up to an additional five (5) percent of the original applicable limit of insurance for the costs you incur to remove debris from the construction, demolition, remodeling, renovation, repair or replacement of property insured under Coverage A or B.

This is additional insurance.

We will not pay for:

  1. Loss in value to any “dwelling” or other structure due to the requirements of any ordinance or law; or
  2. Costs to comply with any ordinance or law that requires any “insured” or others to test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, or in any way respond to or assess the effects of “pollutants” in or on any “dwelling” or other structure.

This material does not amend, or otherwise affect, the provisions or coverage of any insurance policy issued by StarNet Insurance Company.  It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy.  Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law.  Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

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