How Building Code Changes Impact Insurance Claims

Building codes vary widely from region to region. What’s considered standard in one state might be a strict no-no in another. This patchwork of regulations can be a nightmare for roofing contractors, property owners, and insurance companies. When a storm rolls through, causing widespread damage, the last thing you want is to be caught off guard by a complex web of code requirements.

Roofing, in particular, is a sector deeply impacted by code changes. New materials like GAF Timberline roofing shingles, offering durability and aesthetic appeal, might have specific installation guidelines. A roofing contractor who misses these details can cause problems for the homeowner and the insurance company.

The International Residential Code (IRC) and the International Building Code (IBC) are the foundations of many building codes. The IRC focuses on one—and two-family dwellings, while the IBC covers a broader range of structures, including commercial and multi-family buildings. These codes provide a baseline for construction standards, but they’re just the starting point.   

State and local governments can adopt and modify these codes to suit their needs and conditions. This is where the complexity truly begins. Local building departments often introduce amendments or additions to address regional concerns like hurricane or wildfire risks. For example, coastal areas might have stricter wind load requirements, while mountainous regions may have specific fire-resistant roofing regulations.  

Municipalities are another layer of complexity to the building code maze. To learn more about the challenges and complications you may encounter when working directly with a municipality, read our article on The Complexities of Municipal Building Code.

These variations can lead to significant differences in code requirements even within a single state. A roofing contractor working in one city might encounter entirely different standards just a few miles away. This patchwork approach can be incredibly challenging for contractors and increases the risk of code violations.

Code errors can lead to a perfect storm of problems. For instance, a roofer might mistakenly install shingles that don't meet local wind resistance requirements. This oversight can seem minor, but if a storm hits, the roof could be ripped off, causing extensive damage to the home and potentially endangering occupants.

Such incidents underscore the critical importance of accurate code information for claim settlement. To address these challenges, insurance companies must invest in training and resources to equip their adjusters with the knowledge and tools to navigate the complex world of building codes. Adjusters must have a deep understanding of building codes to assess claims' validity effectively. Insurance companies can mitigate risks, reduce claim costs, and maintain customer satisfaction by ensuring that roofs comply with local regulations.

Technology has been a game-changer in many industries, and the construction and insurance worlds are no exceptions. While the digital age has made information more accessible, the rapid pace of building code updates can still feel like trying to hit a moving target.

Traditionally, researching building codes has been a time-consuming and error-prone process. Adjusters often relied on printed code books, which quickly became outdated. Manually searching through multiple code volumes, amendments, and local ordinances was inefficient and increased the risk of overlooking crucial details. This manual approach often delays claim processing and potential inaccuracies in determining code compliance.

Innovative solutions like OneClick code have become invaluable in addressing these challenges. This dedicated code research platform provides a single source of truth with up-to-date building codes. Contractors and insurance adjusters can access up-to-date code information, reducing the risk of costly errors and misunderstandings. This centralized platform ensures that everyone involved in a project works with the same rules, streamlining the claims process and improving overall efficiency.

For example, adjusters can quickly search for specific code requirements, compare codes across jurisdictions, and access historical code data. This level of detail and accessibility was previously unattainable through traditional methods. By greatly reducing the need for manual research and reducing the risk of human error, OneClick Code empowers adjusters to make informed decisions and expedite the claims process.

Real-world examples demonstrate the impact of OneClick Code on claim handling. Adjusters report a significant reduction in research time, which allows them to focus more on claim investigation and customer service. Additionally, the platform's ability to integrate into many platforms to be part of the user ecosystem experience and to track code changes ensures that adjusters are always working with the most current information, minimizing the risk of code-related claim disputes.