Our policy includes code upgrades, but our city may be waiving some of the codes they added last year. Do you think we can still get funding for code upgrades if our city had them originally but is waving some now?
Your insurance company owes you to replace what you had. It is a better strategy to reach an agreement with the insurance company about how much it will pay to replace the destroyed house – focus on those details. Even if they are waiving some code upgrades, with the ones they are keeping, you possibly will still reach your policy limit for this coverage. Be diligent in documenting. A construction cost estimator could include the building code upgrades in your replacement cost.