Does Builders Risk Cover Temporary Structures?
Builders risk may cover temporary structures at a scheduled jobsite when the form includes them, often under a limited extension.
Sometimes. Builders risk can cover temporary structures at the scheduled jobsite when the property definition includes them and their value is within the policy limit.
Oregon’s model clause identifies temporary structures and scaffolding at the described jobsite as possible insured property. The cited ISO specimen also provides limited additional coverage for re-erecting certain temporary structures after covered damage, subject to a stated cap unless the declarations change it.
List site offices, fencing, forms, scaffolding, and temporary utilities before binding. Confirm whether owned and rented structures are covered, which locations qualify, how their values affect the limit, and whether offsite storage or relocation changes coverage.
Coverage Guides Related to Builders Risk Insurance
Sources for This Answer
- Builders Risk Coverage Form. 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.
- Insurance Clauses – Builders Risk. Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.