EDUCATION FOR BOARDS

20 Questions to Ask Before Deciding on Builder's Risk Insurance

A Practical Guide to Deciding What's Best for Your Specific Project

This guide gives you 20 key questions to ask your insurance broker, attorney, or contractor—so you can understand what’s covered, what’s not, and whether this extra layer of protection makes sense for your community. Use it to uncover coverage gaps, avoid surprises, and make a confident, informed decision before construction begins.

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20 Questions to Ask Before Deciding on Builders Risk Insurance_Square

20 Questions to Ask Before Deciding on Builders Risk Insurance_Square

Know Your Coverage:
Understand what your HOA’s and contractor’s policies actually cover during construction.

Find the Gaps:
Ask the right questions to catch what might be missing—like theft or damage before install.

Learn What Builder’s Risk Covers:
See how this policy fills coverage gaps and when it makes sense to consider.

Check Legal & Contract Needs:
Know what your documents or lender might require—and how to plan for it.

Take Clear Next Steps:
Use the checklist to compare coverage, request quotes, and guide board decisions.

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J2 Building Consultants brings decades of experience in managing complex building projects for HOAs and condominiums, making us experts in navigating the financial and logistical challenges communities face. While we don't offer legal or financial advice, we have strong partnerships with trusted lenders and legal professionals who can guide you through the loan process. Our team has successfully overseen major repairs and improvements, ensuring your community gets the best solutions for its needs.

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“Having been through this multiple times, they knew the steps of what you needed to have on your building, the various products and how they fit together."

“We needed a really strong engineering firm to support us. We consider J2 to be the most dependable and productive consultant we’ve ever used. Our experience with J2 has been excellent."

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