Building codes require structures to be built to certain minimum standards. In areas likely to be hit by tornadoes, for example, buildings must be able to withstand high winds. If your building property was damaged and was not in compliance with current local building codes, you may have to rebuild the damaged sections according to current codes.

In some cases, complying with the code may require a change in design or building materials and may cost more. Generally, insurance policies won't pay for these extra costs, but insurance companies do offer an endorsement (additional coverage under the insurance policy) typically called Ordinance and Law that pays a specified amount toward such changes. Information concerning this coverage is found under ordinance or law in the Section I exclusion part of your policy.

Here’s a link to building code information we found for Davidson County. The Metro Historic Zoning Commission offers the following information to assist historic property owners in recovering from a natural disaster.

Disaster Preparedness and Response Information for Owners of Properties in Historic Overlays and Properties Over 50 Years of Age

Tutwiler & Associates adjusters stand ready to handle tornado damage insurance claims throughout Nashville. We are here to help you start your insurance claim and get your business or residence back up and running. Contact us today by calling 615.686.2858 or click to contact our team.