Does Builders Risk Cover Hail?
Often, if hail is a covered cause of loss and damages insured project property.
Check the quote for wind-and-hail deductibles, roof safeguards, and limits on unfinished or stored materials. Whether hail reaches the project depends on the selected form, exclusions, and any storm-specific deductible or sublimit. Some exposures involve temporary roofs, partially installed windows, or materials not yet attached to the building. Check how the policy treats those items, the hail deductible, roof or opening safeguards, and any limits applying to property at storage sites rather than the described jobsite. Damage to contractor-owned tools or mobile equipment exposed to the same hailstorm may fall under an equipment floater rather than the building project limit. Identify whether the hail struck installed materials, a temporary roof, or movable property. Ask about any roof-surface limitation, wind-and-hail deductible, project-value basis, and seasonal protection conditions in the quotation.
