Will my insurance cover the cost to insulate an exterior wall that did not previously have insulation?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 5, 2018

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Insurance Question from San Diego, CA

Asked on 06/05/2018

Will my insurance cover the cost to insulate an exterior wall that did not previously have insulation? My house was damaged by water. Several rooms had to have drywall removed. The general contractor said that we would have to insulate, it’s illegal for him not to. The house did not previously have insulation. Does the insurance cover this extra cost? While they are only obligated to bring it back to the way it was before, we can’t do that without having the contractor violate his license. Would that addition be covered?

Answer given on June 20, 2018

When a home is damaged and there is insurance coverage for the damage, most homeowner policies have a provision in the policy to pay for some building code upgrades that are required during the repair process.  Contact your insurance agent or company and ask what amount of coverage is provided under your policy for building code upgrades. If they need more information before they will pay for the upgrades have them speak with your contractor, and maybe your town or city.  They would have the rules for building and/or repairing a home and the required upgrades.

The policy won’t pay for upgrades you request, but they do cover building code changes and it is a part of the homeowner insurance policy. Sometimes it is a percentage of the amount of insurance on the home-such as 10% or 15% or more. Others are a flat dollar amount, but either way, you should have coverage for this added cost.


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