If a disaster covered by home insurance destroys your house, one big expense might catch you by unpleasant surprise -- the cost of meeting new building codes. Most standard home insurance policies don't cover the expense of bringing the house up to current codes if the structure didn't meet the latest regulations before disaster struck. It's a problem that many East Coast homeowners face in the wake of Superstorm Sandy. Hundreds of residents in risky flood zones in Connecticut, for instance, must elevate their homes if they want to rebuild them. Houses that suffered serious damage must meet current sea level elevation requirements and all other building codes when they are rebuilt. The Federal Emergency Management Agency offers homeowners with flood insurance $30,000 of "Increased Cost of Compliance" coverage to help pay for the elevation, but that's often not enough to cover the cost.