--- title: "Does Builders Risk Cover Temporary Structures?" description: "Builders risk may cover temporary structures at a scheduled jobsite when the form includes them, often under a limited extension." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-temporary-structures" --- 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. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Temporary Structures?" 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 Temporary Structures? **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 Materials?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials) — related question - [Does Builders Risk Cover Materials In Transit?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials-in-transit) — related question - [Does Builders Risk Cover Materials Off Site?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials-off-site) — 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 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. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Materials?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials) - [Does Builders Risk Cover Materials In Transit?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials-in-transit) - [Does Builders Risk Cover Materials Off Site?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-materials-off-site) - [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. 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