What is ordinance or law coverage?
The policy coverage — also called code upgrade coverage — that pays for work current building code requires on a rebuild.
Ordinance or law coverage pays for the upgrades a current building code demands when a roof is replaced, even if the original roof was built before those rules existed. It’s the same idea roofers often call code upgrade coverage.
Common examples are added ice-and-water shield, drip edge, upgraded decking, and specific fastener patterns. Because the work is mandated by code, it’s some of the most defensible money on a claim — but carriers often leave it off the first scope.
If the policy includes ordinance or law coverage, the path is simple: cite the code, show the required work, and supplement for it. The requirement does most of the arguing for you.