When you’re building or renovating a structure in New Hampshire, unpredictable weather can bring unexpected challenges. From nor’easters to heavy snowfalls and summer storms, weather-related risks are a real concern for builders and property owners alike. That’s where Builders Risk Coverage comes in—but how much protection does it really offer when weather takes a toll on your project?
At Insurance24, we work with contractors, developers, and property owners across New Hampshire to help them understand and choose the right coverage for their construction investments. In this post, we’ll explore how Builders Risk Insurance may respond to weather-related damages and what to consider when selecting a policy.
What Is Builders Risk Insurance and Who Needs It in New Hampshire?
Builders Risk Insurance is a type of property insurance designed to cover buildings and structures under construction or renovation. It typically offers coverage for physical loss or damage to the construction project, but the specifics can vary based on the policy.
In New Hampshire, Builders Risk policies are commonly purchased by:
- General contractors
- Property owners
- House flippers
- Commercial developers
With the state’s exposure to heavy snowfall, high winds, and freezing temperatures, it’s important for those involved in building projects to explore how this coverage could potentially respond to weather-related events.
Does Builders Risk Insurance Cover Weather-Related Damages?
Builders Risk Insurance may provide protection for certain types of weather-related damages, but it depends on the policy. Commonly included perils in many standard policies are:
- Windstorms
- Hail
- Lightning
- Fire
- Theft and vandalism
However, coverage for specific weather events—like flooding or ice damming—may not be included in a basic policy and could require additional endorsements or separate policies.
For New Hampshire projects, where weather conditions can change quickly, it’s wise to review your coverage limits, exclusions, and deductibles. A customized approach is often the best way to ensure you’re addressing local risks effectively.
Are Snow and Ice-Related Damages Covered in Builders Risk Policies?
Heavy snow accumulation and ice buildup are common issues in New Hampshire winters. Builders Risk Insurance might cover damages resulting from the weight of snow or the collapse of a temporary structure due to snow or ice—if those perils are included in the policy.
However, not all policies automatically cover:
- Ice dams on roofs
- Freeze damage to materials or plumbing
- Delays caused by snowstorms
In many cases, these risks can be addressed through policy endorsements. It’s also important to understand any policy conditions related to winterization or site protection during the colder months. Discussing these details with your agent can help you prepare your site and manage risks proactively.
What Weather Perils Are Commonly Excluded?
Like most insurance policies, Builders Risk Insurance has exclusions—certain types of damages that are not covered. When it comes to weather, exclusions can vary by insurer and policy but may include:
- Flooding (from rivers, flash floods, or heavy rainfall)
- Earth movement (landslides, earthquakes)
- Normal wear and tear
- Acts of negligence
In New Hampshire, where flood zones exist along the Connecticut River and in coastal areas, flood exclusions are particularly relevant. Flood coverage is usually not part of a standard Builders Risk policy but may be available through the National Flood Insurance Program (NFIP) or private markets.
Can Builders Risk Coverage Be Customized for New Hampshire Weather?
Yes, one of the advantages of working with an experienced insurance agency is the ability to customize a Builders Risk policy to suit your project’s specific needs.
Customizations can include:
- Extended coverage periods (in case of weather-related delays)
- Equipment and material coverage for off-site storage
- Additional perils like wind-driven rain or water intrusion
- Higher limits for temporary structures like scaffolding or fencing
In New Hampshire, where seasonal weather can disrupt timelines or damage partially completed work, these customizations can provide valuable peace of mind.
What Should You Do After a Weather-Related Loss?
If your construction site suffers damage from a storm, snow event, or other weather incident, it’s important to take the right steps:
- Document the damage with photos and videos.
- Secure the site to prevent further losses.
- Notify your insurance provider promptly.
- Work with your agent to file a claim and understand next steps.
A well-structured Builders Risk policy can help you recover from setbacks more quickly—but acting fast and following the proper procedures is just as crucial.
How Can You Ensure Your Builders Risk Policy Is Adequate?
The best way to ensure your Builders Risk Coverage fits your project is to partner with a local insurance agency familiar with New Hampshire’s building climate. At Insurance24, we help clients:
- Review weather risks based on the project’s location and season
- Understand policy exclusions and limitations
- Add relevant endorsements for snow, wind, and water damage
- Coordinate coverage across general contractors and subcontractors
Having a policy that reflects the realities of your build site—and the potential for weather-related disruptions—can help minimize out-of-pocket costs and delays.
Final Thoughts: Is Builders Risk Insurance Worth It for New Hampshire Weather?
While no policy can predict or prevent the weather, Builders Risk Insurance can be a valuable safety net during construction. With the right coverages and endorsements, it may help protect your investment from unexpected weather-related setbacks that are all too familiar to New Hampshire builders.
If you’re planning a construction project and want to explore your options, Insurance24 is here to help. Our team understands the local landscape, the building codes, and the weather patterns that make New Hampshire a unique place to build. Let’s work together to find a Builders Risk Coverage solution that fits your needs.
Reach out today to learn more about Builders Risk Insurance options in New Hampshire.
