---
title: "Does Builders Risk Cover Soft Costs?"
description: "Match your expected costs to the endorsement’s covered expenses, trigger, waiting period, and limit."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-soft-costs"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Soft Costs?

Match your expected costs to the endorsement’s covered expenses, trigger, waiting period, and limit.

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 cover all lost revenue. That guidance also notes coverage differs among insurers. Soft costs are not the same as all lost revenue or every extra project expense. Review the trigger requiring covered physical damage, the listed expense categories, waiting period, indemnity period, sublimit, and whether costs must be incurred during a defined restoration period. A project’s lender, landlord, or tenant may bear financing or lease costs while work is delayed, but those contractual costs are not automatically insured. Match each expected expense to the endorsement’s list and time period, then verify the limit and waiting period. Ask whether architect fees, loan interest, taxes, lease renegotiation, and extra insurance premiums are individually covered or excluded.

## Related Questions

- [Does Builders Risk Cover Delay?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-delay)
- [Does Builders Risk Cover Lost Income?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-lost-income)
- [Does Builders Risk Cover Business Interruption?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-business-interruption)
- [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. [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.
2. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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