Building Ordinance Coverage is coverage for losses caused by ordinances or laws that govern the construction and repair of damaged buildings. Damaged old structures may require electrical upgrades; heating, ventilation and air conditioning (HVAC); roofing materials; fences; and plumbing units based on area codes. Many communities have building ordinances requiring that a building that has been damaged to a certain extent (usually 50 percent) must be demolished and rebuilt to current building codes rather than simply repaired. Unapproved standard forms of commercial real estate insurance do not cover the loss of an intact part of a building, the cost of demolishing that undamaged part of a building, or the increased cost of restoring the entire structure to current building codes. However, coverage for these losses is widely available by endorsement. Standard homeowner policy includes a provision providing a limited amount (eg, 10 percent of the residential limit) of building ordinance coverage; this amount may be increased by endorsement.