As your home ages, your county's building codes and ordinances are updated to reflect new standards for home construction.  If your older property suffers a substantial loss, repairing may require a higher construction standard to reflect new laws. Simply replacing your home as it was may not be enough to meet these new laws and codes. 

Building code inspectors may halt construction until repairs comply with the updated building codes. Unfortunately, these building code requirements often add a significant amount to the cost of rebuilding. Having Ordinance or Law coverage may help for these additional costs. It can also compensate you for an undamaged portion of your home, in a situation where it had to be demolished or removed to meet building code requirements.