Misunderstood Property Ins. Issues (Part 1)
Page 6 of 7
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Building ordinance versus zoning laws

Zoning Laws
As we learned earlier, building ordinances regulate HOW buildings are built or re-built. Ordinances affect building costs, time to rebuild, demolition, and debris removal.

Zoning laws, on the other hand, regulate everything about WHAT is built WHERE. These laws address such areas as the following:
  • Building height
  • Parking allowance
  • Occupancy
  • Environmental impact studies
  • Building dimensions vs. land size

    Manuscript ACV cap language
    When any building(s) and/or structure(s) is affected by zoning laws so that the building's usage, size (height, total square footage, dimensions) are limited by law, the policy will provide replacement cost for that portion of the building the insured can, by law, replace and will then pay actual cash value (ACV) for the differential in value that the insured cannot replace by law.


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    Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation. The authors, LunchTimeCE, Inc., CEfreedom, and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.