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We have an insured tenant presenting a claim under BP 00 03 01 10 for upgrades required when repairing covered property. The damage is to an Ansul system and hood vent. A cooking fire caused damage to various parts of the system because of a malfunction. The system was installed by the insured as an improvement years ago. The code now requires an upgrade to type of system used. There is no building coverage in the policy. Does the increased cost of construction additional coverage apply to the improvements and betterments even though the policy says the coverage “applies only to buildings” insured at replacement cost? Does the ordinance or law exclusion apply to the upgrade costs?

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