I have a roof claim and they say i don't have a building code coverage. My city requires ice and water shield. The contractor said "It doesn't matter you have it or not, if it's required by the city then they have to cover" Now what? On top of $1000 deductible I have to pay for ice and water shield? Please help and explain to me. I don't know why my home policy doesn't cover building code if it's required?