An adjuster claimed that because the homeowner did not have code upgrade coverage, the carrier did not have to pay for a full replacement even when the repair itself would violate code. Mathew Mulholland breaks down why this argument misunderstands how policies work. Replacement cost value already includes compliance with code when repairing or replacing damaged property. Code upgrade coverage applies only to increased costs caused by enforcement actions or changes in law, not to the normal cour

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