---
title: "Does Builders Risk Cover Hail?"
description: "Often, if hail is a covered cause of loss and damages insured project property."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-hail"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Hail?

Often, if hail is a covered cause of loss and damages insured project property.

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.

## Related Questions

- [Does Builders Risk Cover Weather Damage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-weather-damage)
- [Does Builders Risk Cover Collapse?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-collapse)
- [Does Builders Risk Cover Faulty Workmanship?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-faulty-workmanship)
- [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. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
2. [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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