Which type of coverage applies if a loss is caused by enforcement of ordinances or laws?

The correct choice is the Ordinance or Law Coverage Endorsement because it specifically addresses losses that arise due to the enforcement of local ordinances or laws. This type of coverage is important as it can help policyholders manage the financial impact of having to bring a building up to current code after a loss, such as updating electrical or plumbing systems, which may not have been required at the time the structure was originally built.

In the context of insurance, standard property policies often exclude costs associated with compliance to new laws or ordinances that come into effect after the property was constructed. The Ordinance or Law Coverage Endorsement fills this gap by providing additional protection. This coverage is particularly relevant in situations where rebuilding or repairing a property involves meeting updated regulations, which can significantly increase costs.

The other options, while they may relate to property insurance, do not specifically address the nuances of ordinance or law enforcement. Building Alterations relate more to the adjustments made after a loss rather than compliance with legal standards. Landlord Furnishings focuses on the contents owned by landlords within rental properties but does not cover law enforcement issues. Collapse and Glass Breakage deals with specific physical damages and structural failures, not the implications of regulations.