We would like to know how the Ordinance or Law Coverage Endorsement, CP 04 05 10 90, will respond to the Americans with Disabilities Act (ADA). For example, if an older building is damaged by a covered peril, and the ADA requires additions such as a ramp or elevator, will this be covered even if the old building did not contain these items?  In other words, will construction of new features rather than simply repairing or replacing old be covered?

Under 3. Coverage C—Increased Cost of Construction Coverage, the endorsement reads "we will pay for the increased cost to repair, rebuild, or construct the property caused by enforcement of building, zoning or land use ordinance or law." Does the ADA fall within this description, since it is a federally mandated social act?  Do you know of any court cases addressing these issues?

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