Does Builders Risk Cover Delay?

Generally no. A delay by itself is not insured under the cited ISO form; an endorsement may cover specified extra costs when covered physical damage delays the project. Oregon’s guidance explains that soft-cost coverage is added by endorsement and may cover certain project expenses caused by a covered physical loss. A late delivery, labor shortage, permit delay, or contractor default is different from delay caused by insured physical damage. Ask whether the quote includes delay-in-completion or soft-cost coverage, what event triggers it, which expenses qualify, and the maximum period and dollar limit. If the delay follows only a late permit, labor shortage, or contractor dispute, business interruption insurance may not answer it because property coverage usually requires insured physical damage. If a covered loss causes delay, ask whether a delay-in-completion or soft-cost endorsement applies. Compare the trigger, time deductible, maximum restoration period, scheduled expenses, and proof required for each cost.