Does Builders Risk Cover Wind Damage?
Sometimes—wind damage may be covered if the policy includes windstorm, but named-storm exclusions, separate deductibles, and roof or opening conditions can limit protection.
A policy may treat ordinary wind differently from named storms or coastal wind exposure. For a project exposed to severe weather, ask whether windstorm is included, excluded, or subject to a separate deductible or percentage limit. Check protection requirements for roofs, openings, scaffolding, and materials, plus whether the policy covers temporary works and cleanup after a covered wind loss. For a building after handover, check the permanent property policy separately because a course-of-construction limit may stop at acceptance or occupancy. Obtain the actual wind wording and declarations page, then compare named-storm restrictions, wind or hail deductibles, roof conditions, and the treatment of temporary fencing, scaffolding, and materials not attached to the structure.
