Does Builders Risk Cover Trees And Plants?

An illustrative builders risk policy is designed around construction property and materials, not every natural feature at the project site. Oregon’s sample clause identifies certain permanent fixtures but does not establish a general grant for trees, plants, or land. If landscaping is part of the construction contract, list its value and ask whether living plants, sod, and trees are included, and for what causes of loss. Check exclusions for weather, drought, disease, and outdoor property, along with any per-item or aggregate sublimit. The ISO specimen actually provides a limited extension for lawns, trees, shrubs, and plants, subject to specified causes and per-item and occurrence caps; other forms may omit it. If landscaping is valuable, request the endorsement and itemize values. Check wind, snow, disease, and drought treatment and ask whether a landscape contractor’s policy covers plants before installation.