The Hidden Cost of Rebuilding in Massachusetts: Why Your Insurance Might Fall Short

If your Massachusetts home suffers major damage from a fire or severe storm, your first thought is likely, "Thank goodness I have homeowners insurance." But as you start the rebuilding process, you might encounter a massive, out-of-pocket expense you never saw coming: the cost of local building codes.

Massachusetts has some of the most progressive and stringent building energy codes in the country. While these codes are excellent for reducing carbon emissions and lowering utility bills, they create a unique financial trap for homeowners trying to rebuild an older home.

Here is what you need to know about Massachusetts "Stretch Codes," how your insurance responds, and why checking your policy’s Ordinance and Law coverage is more critical now than ever.