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A 24/7 Restoration Specialists' expert meticulously documenting damage, illustrating the detailed justification required to assert 'reasonable and necessary' work against insurance scope cuts.

The ‘Reasonable and Necessary’ Clause: Fighting Insurance Scope Cuts

Feb 17, 2026

Insurance denying ‘necessary’ work? Learn how to use the ‘Reasonable and Necessary’ clause to justify code upgrades and proper drying.

Close-up of building plans overlaid with construction notes, illustrating the complexity of code upgrades during property restoration. This visual highlights the need for 'Ordinance or Law Coverage' to fund mandatory updates, as discussed in the accompanying article.

Ordinance or Law Coverage: Who Pays for Code Upgrades?

Feb 17, 2026

Insurance paying to repair, but not to update? Learn why ‘Ordinance or Law’ coverage is the only way to fund mandatory code upgrades during restoration.