Does Builders Risk Cover Hurricanes?
Builders risk generally addresses physical damage to construction property, but whether hurricane-related damage is covered depends on how the contract treats windstorm, flood, and water.
Oregon’s model clause specifically names flood as coverage to require, rather than assuming it is included. Read the declarations and endorsements for named-storm restrictions, coastal exclusions, separate wind or flood deductibles, and any sublimits. Confirm the construction site, offsite storage, and transit are scheduled correctly, and ask whether protective measures must be in place before a storm. After construction, the building owner’s permanent property policy is the likely place to address ongoing building losses, with separate flood coverage potentially needed for water inundation. Ask for the builders risk and follow-on policy terms together: confirm the hurricane or named-storm definition, wind deductible, flood limit, covered parties, and the precise date each policy takes effect.
