--- title: "Does Builders Risk Cover Earthquake?" description: "It depends on the policy and location; earthquake coverage may be excluded, limited, or added by endorsement." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-earthquake" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-earthquake" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-earthquake) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Earthquake?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Earthquake? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Wind Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-wind-damage) — related question - [Does Builders Risk Cover Hurricanes?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-hurricanes) — related question - [Does Builders Risk Cover Tornado Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-tornado-damage) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Earthquake? It depends on the policy and location; earthquake coverage may be excluded, limited, or added by endorsement. Oregon’s public builders risk clause specifies earthquake when the state requires it, which is a useful reminder that contract specifications can call for coverage beyond a base form. A broad “all risks” label does not remove exclusions stated in the contract. Earthquake wording may also address earth movement, aftershocks, resulting fire, or a separate percentage deductible. Ask for the actual endorsement and the deductible calculation basis. Verify that the insured value covers the project and that earthquake coverage applies at the jobsite and any scheduled temporary locations. If the building is later insured as an operating property, its permanent commercial property policy may also need earthquake protection; the builders risk option may not carry forward after completion. Request the endorsement showing covered locations, annual aggregate, deductible base, and treatment of fire or other damage after shaking, and compare those terms with any lender or construction-contract requirement. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Wind Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-wind-damage) - [Does Builders Risk Cover Hurricanes?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-hurricanes) - [Does Builders Risk Cover Tornado Damage?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-tornado-damage) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 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://thegeneralaverage.com/insurance-faq/builders-risk). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-earthquake.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)