Does the policy require the insured to be compliant with code before the law and ordinance coverage is offered? Wouldn't this void the need for L&O? I've attached the denial letter and will email you the policy once requested as it is too big a file to attach here.

Texas Subscriber

On page 10 of the BOP and on page 19 of the WB 2905 12 20 the policy clearly states that: Under this Additional Coverage, we will not pay any costs due to an ordinance or law that: (a) You were required to comply with before the loss, even when the building was undamaged; and (b) You failed to comply with.