Code Upgrade Coverage
Policy endorsement (or statutory requirement) that obligates the carrier to pay for repairs needed to bring a structure up to current code.
Common code-upgrade items on roofing claims: decking replacement (R908.3), ice & water shield (R905.1.2), drip edge (R905.2.8.5), high-wind nailing patterns, and re-nail of existing decking. Most states require carriers to pay these regardless of whether they were present pre-loss.
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