Does Builders Risk Cover Soft Costs?
Only with a soft-cost endorsement covering listed delay expenses after covered physical damage, subject to its waiting period, time limit, and sublimit.
Only if the policy adds a soft-cost endorsement. Oregon’s guidance lists possible expenses such as financing interest, taxes, leases, and professional fees after covered physical damage; it does not treat all lost revenue or project expense as soft costs.
Match each expected expense to the endorsement. Confirm the physical-damage trigger, covered categories, waiting period, restoration period, and sublimit, including whether architect fees, loan interest, taxes, lease costs, or extra insurance premiums qualify.
