Insureds that own buildings need to know not only the ordinances and laws that affect building construction and repair, but they also need to know how their insurance policies treat possible additional costs of conforming to the building codes when settling a claim that arises from a covered cause of loss. There can be exclusions and limitations of coverage on property insurance forms, and endorsements that permit coverage for ordinance or law claims. And, of course, court rulings on the interpretation of exclusions and endorsements are also points that insureds should know.