Ordinance or law coverage in PSIC protects policyholders in the event they need to repair or rebuild their home after a covered loss. It ensures that owners are financially protected from the additional costs associated with complying with local building codes or ordinances.

With PSIC endorsement, you will be protected if the covered loss affects your main dwelling, also known as coverage A, or any other structure (such as a detached garage or a shed), alternatively referred to as coverage B.

When a property is damaged or destroyed, the reconstruction must comply with current building codes, zoning laws, or ordinances. This can result in an increased cost of construction, as these regulations may have changed.

In other words, if you have to replace or rebuild your home and there are new mandatory codes or ordinances that you need to comply with, incurring additional costs, this endorsement helps cover those expenses.