---
title: "Does Builders Risk Cover Defective Materials?"
description: "Usually not the cost to replace the defective material itself—the cited form excludes defective materials, while damage to other property may depend on its ensuing-loss wording."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-defective-materials"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Defective Materials?

Usually not the cost to replace the defective material itself—the cited form excludes defective materials, while damage to other property may depend on its ensuing-loss wording.

Usually not the cost to replace the defective material itself. The cited form excludes defective materials, while damage to other property may depend on its ensuing-loss wording. The relevant question may be whether a covered cause of loss then damages other covered property, under the form’s ensuing-loss wording. Check whether the exclusion applies to the specific component, the entire project, or only the cost of making good. Ask about removal and replacement expense, testing costs, and any resultant-damage endorsement. Also identify the supplier or installer’s warranty and whether any separate liability coverage could respond to a third-party claim. A supplier warranty may be the route for replacing a faulty product, while a separate property claim for other damaged components depends on the policy’s ensuing-loss wording. Ask the insurer whether removal, access, testing, and matching replacement materials count as covered damage or defect-correction expense, and check how the form treats damage to the defective item itself.

## Related Questions

- [Does Builders Risk Cover Negligence?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-negligence)
- [Does Builders Risk Cover Subcontractors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-subcontractors)
- [Does Builders Risk Cover Contractor Negligence?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-contractor-negligence)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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