Ordinance or law calculator
Illustrate ordinance or law coverage, code-driven construction costs and substantial-damage thresholds.
Start with a hypothetical
Separate the building, code and floodplain facts
Keep replacement cost, the building limit and pre-loss market value separate. The market-value figure is used only for the selected floodplain substantial-damage illustration.
Illustrated result
Complete the property, damage and policy fields to see the coverage branches. An incomplete draft stays in the worksheet so you can correct it.
Related tools and reading
Frequently Asked Questions
Does Coverage A create an extra limit under CP 04 05?
No. The value of the undamaged portion shares the building limit with the damaged building loss. It is not an additional limit.
When does Coverage C apply?
Coverage C illustrates increased cost of construction up to its scheduled limit. The work generally must be incurred and completed, so retain permits, invoices and inspections.
What is the Houston substantial-damage test?
For a structure in the 100-year floodplain, the repair-cost illustration reaches substantial damage at 50% or more of pre-damage market value excluding land. Houston's current-standard floor illustration is 2 feet above the 500-year flood elevation.
What does the base CP 00 10 provision cover?
Without CP 04 05, this worksheet illustrates only the lesser of $10,000 or 5% of the building limit for increased construction, and only when the policy is replacement cost.
What document supports a code argument?
A written determination from the floodplain or code office identifies the enforced requirement and connects the code work to the loss. Keep it with the estimate, permit and incurred-cost records.
Policy provisions · Last reviewed September 16, 2026
- ISO CP 04 05, Coverage A, Coverage B and Coverage C; ISO CP 00 10, base increased-cost provision; ISO HO 00 03, ordinance or law limit illustration; Houston Code of Ordinances Chapter 19 as amended by Ordinance 2018-258; unincorporated Harris County floodplain regulations. Last reviewed September 16, 2026.
Supporting Records Needed
- Pre-loss market value excluding land and the accepted valuation method.
- Repair estimate, demolition scope and current-code construction plans.
- Floodplain office correspondence, elevation records and permits.
- Written substantial-damage or code determination from the city or county.
- Invoices, inspections and proof that increased-cost work was incurred.
Related Reading
Educational illustration based on your inputs. Not legal, coverage or claim advice. Your policy language controls.
Crossroads Insurance Recovery Advocates, Texas public adjuster entity license #1924788
Ordinance or law calculator Summary
Generated on
The linked URL in a saved PDF reopens these inputs. The worksheet values are printed below.
Inputs
| Policy type | commercialSource: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Policy type selected by the user |
| Building replacement cost value | $0.00Source: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Replacement-cost input; kept separate from the policy limit |
| Commercial building limit | $0.00Source: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Building limit used by Coverage A and the base CP 00 10 sublimit |
| Residential Coverage A limit | $0.00Source: ISO HO 00 03, Additional Coverages, Ordinance or Law: the residential ordinance-or-law amount is illustrated as a single amount applied to demolition plus increased cost of construction; the default illustration is 10% of Coverage A. Last reviewed September 16, 2026. Residential Coverage A limit used for the selected residential ordinance amount |
| Market value excluding land | $0.00Source: City of Houston Code of Ordinances Chapter 19, as amended by Ordinance 2018-258 effective September 1, 2018: in the 100-year floodplain, repair cost at or above 50% of pre-loss structure market value excluding land indicates substantial damage. The lowest floor must be at or above the 500-year flood elevation plus two feet. Market value may be established by the FEMA Residential Substantial Damage Estimator, a licensed appraisal, or another method accepted by the city engineer. Last reviewed September 16, 2026. Market value basis for the floodplain test |
| Repair or damaged percentage | Not enteredSource: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Repair-cost basis or replacement-cost damage percentage |
| Demolition of undamaged portion | $0.00Source: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Undamaged demolition and site-clearing input |
| Increased construction: elevation | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| Increased construction: fireSprinklers | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| Increased construction: electrical | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| Increased construction: accessibility | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| Increased construction: energyCode | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| Increased construction: other | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Itemized code-related construction input |
| CP 04 05 endorsement present | NoSource: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Endorsement selection |
| Coverage A selected | NoSource: ISO CP 04 05, Coverage A: the value of the undamaged portion is paid within the building limit and is not an additional limit. Last reviewed September 16, 2026. Coverage A selection; it is not an additional limit |
| Increased construction incurred / work completed | NoSource: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Timing input for commercial Coverage C and the base CP 00 10 illustration |
| Coverage B scheduled limit | $0.00Source: ISO CP 04 05, Coverage B: demolition and site clearing of the undamaged portion are paid up to the scheduled Coverage B limit. Last reviewed September 16, 2026. Scheduled Coverage B limit |
| Coverage C scheduled limit | $0.00Source: ISO CP 04 05, Coverage C: increased cost of construction is paid up to the scheduled Coverage C limit when the work is incurred. Last reviewed September 16, 2026. Scheduled Coverage C limit |
| Replacement-cost policy | YesSource: ISO CP 00 10, Additional Coverages, Increased Cost of Construction: without the ordinance-or-law endorsement, increased cost of construction is limited to the lesser of $10,000 or 5% of the building limit and applies only on a replacement-cost policy. Last reviewed September 16, 2026. Required for the base CP 00 10 increased-cost illustration |
| Residential limit mode | percentCoverageASource: ISO HO 00 03, Additional Coverages, Ordinance or Law: the residential ordinance-or-law amount is illustrated as a single amount applied to demolition plus increased cost of construction; the default illustration is 10% of Coverage A. Last reviewed September 16, 2026. Residential ordinance amount selection |
| Residential ordinance percentage | 10%Source: ISO HO 00 03, Additional Coverages, Ordinance or Law: the residential ordinance-or-law amount is illustrated as a single amount applied to demolition plus increased cost of construction; the default illustration is 10% of Coverage A. Last reviewed September 16, 2026. Residential percentage of Coverage A |
| Residential ordinance dollar amount | $0.00Source: ISO HO 00 03, Additional Coverages, Ordinance or Law: the residential ordinance-or-law amount is illustrated as a single amount applied to demolition plus increased cost of construction; the default illustration is 10% of Coverage A. Last reviewed September 16, 2026. Residential scheduled dollar amount |
| Jurisdiction and floodplain | houston; not selectedSource: City of Houston Code of Ordinances Chapter 19, as amended by Ordinance 2018-258 effective September 1, 2018: in the 100-year floodplain, repair cost at or above 50% of pre-loss structure market value excluding land indicates substantial damage. The lowest floor must be at or above the 500-year flood elevation plus two feet. Market value may be established by the FEMA Residential Substantial Damage Estimator, a licensed appraisal, or another method accepted by the city engineer. Last reviewed September 16, 2026. Substantial-damage jurisdiction selector |
Results
Policy provisions · Last reviewed September 16, 2026
- ISO CP 04 05, Coverage A, Coverage B and Coverage C; ISO CP 00 10, base increased-cost provision; ISO HO 00 03, ordinance or law limit illustration; Houston Code of Ordinances Chapter 19 as amended by Ordinance 2018-258; unincorporated Harris County floodplain regulations. Last reviewed September 16, 2026.