When you rebuild what you restore, you take on construction risk too.

Construction exposure on top of restoration

Reconstruction is construction, with the long-tailed completed-operations exposure that finished building work carries. A policy scoped only for mitigation and cleanup may not adequately cover the rebuild, its subcontractors, or the property under construction. When you do both, the program has to reflect both.

Completed operations and subcontractors

Completed operations, claims from finished work after you leave, is often the largest exposure in reconstruction, and it is where subcontractor exclusions and action-over exclusions bite. Verifying subcontractor coverage and reviewing the completed-operations and subcontractor provisions is central to a reconstruction program that actually holds.

Builders risk on the rebuild

Property under construction is exposed to fire, wind, water, and theft during the rebuild, and builders risk is what covers it, often required by the owner or lender. On a restoration rebuild, coordinating builders risk with the existing structure and the customer's own coverage avoids disputes about what responds to a mid-project loss.

How we handle it

We structure reconstruction coverage that bridges the restoration and construction sides, with completed-operations and subcontractor provisions reviewed against how you build. We place builders risk where the rebuild calls for it, set up subcontractor risk transfer, and align the certificates and contract wording owners and general contractors require.