I hear you on the peace of mind factor. In my experience, the hassle of dealing with insurance adjusters is still preferable to trying to untangle liability between contractors after something goes wrong. All-risk policies aren’t perfect—sometimes they’ll dig in their heels or take ages to pay out—but I’ve seen them cover things that would’ve otherwise turned into expensive legal squabbles. One thing I’d add: make sure you actually read the exclusions. Some “all-risk” policies have more holes than you’d expect... not all coverage is created equal, unfortunately.
Builder Insurance—Ever Wondered Who Covers the Mishaps?
That’s so true about exclusions. I learned the hard way when a supposedly “all-risk” policy didn’t cover water damage from a leaky window install—turns out that was in the fine print. It’s wild how much you can miss if you don’t dig into the details.
It’s wild how much you can miss if you don’t dig into the details.
Yeah, insurance fine print is a minefield. I’ve seen “all-risk” policies that exclude almost everything you’d expect to be covered. It’s frustrating, especially when you’re trying to build sustainably—sometimes green materials or methods aren’t even addressed in standard policies. Always worth double-checking what’s actually included before signing anything.
sometimes green materials or methods aren’t even addressed in standard policies
That’s been a huge headache for me too. I once had a client go all-in on reclaimed wood, only to find out the policy didn’t cover “non-standard” materials. Had to fight tooth and nail to get an endorsement added. Honestly, I think insurers are still catching up with how fast building practices are changing. Reading every clause is a pain, but it’s saved me more than once.
Title: Builder Insurance—Ever Wondered Who Covers the Mishaps?
- Totally get where you’re coming from on the “read every clause” thing. I’ve spent hours combing through policy docs just to make sure my project choices wouldn’t bite me later.
- Had a similar issue with bamboo flooring—looked great, but the policy flagged it as “unconventional.” Took weeks of back and forth before they’d even consider an amendment.
- It’s wild how slow some insurers are to adapt. You’d think with all the green building buzz, they’d be more prepared.
- Honestly, I’ve started keeping a spreadsheet of approved materials just to avoid surprises. Not fun, but it’s saved me money and headaches.
- One thing I’ve noticed: sometimes just asking for clarification in writing gets them to take you more seriously. Not a guarantee, but it’s worked for me.
- Policies are a slog, but yeah, catching those details up front is way better than scrambling after the fact.
