Does Builders Risk Cover Remodeling?

Yes, builders risk may cover remodeling if the insurer accepts the work and specifies how it covers the existing house, materials, and occupied areas. Notify your homeowners insurer before a substantial remodel; the Insurance Information Institute notes builders risk may be available separately or as an endorsement in some cases. The actual contract can limit coverage by project phase or property class. Before work begins, provide a clear description of demolition, structural changes, temporary openings, and whether people will occupy any portion. Confirm the existing structure and work values, water protection, hot work rules, and when coverage ends as completed areas are accepted or put to use. Ask which contract covers the existing house, materials, and work in progress, and whether contractor liability and workers compensation are also in place. Confirm coverage before opening walls or leaving the house partly unprotected.