Ordinance or Law Declarations clause denied
My rental property burned down. I received the claim check. I want to demolish the property and rebuild later using the money in the below clause from my insurance declarations. The City has sent me letters saying that property is condemned and I need to take action to be in compliance. Is there anyway to request this money from the insurance company without them pushing back?
Ordinance or Law.
"We will pay for damage to Coverage A — Dwelling or Coverage B — Other Structures resulting from a covered cause of loss in compliance with any ordinance or law that regulates the construction, repair or demolition of the property.
This coverage does not apply unless you choose to repair or rebuild the property at its present location.
We do not cover:
a. the loss in value to any covered building or other structure due to the requirements of any ordinance or law;
b. the costs to comply with any ordinance or law which requires any insured or others to test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants or contaminants on any covered building or other structure.
You may use all or part of this ordinance or law coverage to pay for the increased costs you incur to remove debris resulting from the construction, demolition, remodeling, renovation, repair or replacement of property as stated above.
The limit of liability shown in the Declarations is the most we will pay for the total of all loss or costs for Coverage A — Dwelling or Coverage B — Other Structures, regardless of the number of locations or number of claims made. This coverage is additional insurance."