Non-Conforming Residential/Commercial "Replacement" Cost in eyes of Prop Insurance UW

[Jonn Vidal]

Anyone get a straight answer from property insurers regarding insuring improved property comprised of solely legal non-conforming buildings?

Some insurance companies have told me they don't insure LNC buildings cause 'replacement' wouldn't be a straightforward process, as there's usually no detailed record of such grandfathered buildings' layouts in the records to permit re-building following a fire, flood, quake, etc.

Others have said at least in while securing quotes, it's a non-issue.

Surely they both can't be correct!?