An older building may not meet today's code. After a covered loss the owner can face costs the standard form excludes, so ordinance or law coverage (ISO CP 04 05) adds three parts: - Coverage A: loss to the undamaged portion of the building that the law requires to be demolished. - Coverage B: the cost to demolish that undamaged portion and clear the site. - Coverage C: the increased cost to repair or rebuild so the building meets the law's minimum requirements. Standard business income does not fill the gap either, because the period of restoration excludes added time caused by enforcing such laws.

Glass coverage insures the glass described in a schedule, including lettering or ornamentation when described, and can pay to board up openings until permanent repairs are made. It suits a tenant whose lease makes it responsible for plate glass. Injuries to customers from broken glass are a liability exposure, not a property one.

Builders risk covers a building while it is under construction: the structure as it goes up, including foundations, temporary structures such as scaffolding, and materials intended to become part of the building. Land is not covered property. Foundations are a tempting wrong answer, because many property forms leave them out, but here they are part of the work being insured.