What is a common challenge faced by owners of non-conforming structures?

Owners of non-conforming structures often encounter significant challenges when it comes to obtaining insurance coverage. Non-conforming structures are those that do not comply with current zoning laws or building codes, usually due to changes in regulations over time or because the structures were built before these regulations were enacted. Insurers may perceive higher risks associated with these properties, leading to complications in securing adequate insurance.

Insurance companies may be hesitant to provide coverage or may charge higher premiums due to the increased risk of claims related to properties that do not conform to current regulations. Additionally, if a non-conforming structure suffers damage or must be rebuilt, there may be complications regarding compliance with updated codes, leading to further challenges in insurance claims and coverage.

In contrast, the other options present scenarios that are generally not applicable to non-conforming structures. For instance, these properties do not typically receive automatic approval for renovations, as any changes may require adherence to contemporary building codes and zoning laws. Also, reduced property taxes is not a common benefit associated with such structures; in fact, non-conforming status might not directly impact tax assessments. Lastly, the transfer of ownership rights can be fraught with complications, often requiring additional disclosures or processes related to the non-conforming status, making it more