Residential Builders

Full List of Construction & Contracting Services

Residential builders specialize in the construction of single-family homes, townhouses, and multi-family dwellings. Because these projects involve direct interaction with homeowners and long-term residency, Residential Builder insurance is designed to address the unique risks of habitability, consumer protection, and wood-frame construction, subject to the terms, conditions, exclusions, and limitations of the policy issued.

1. General Liability & Habitability Claims

Coverage is structured to address claims arising from construction defects that render a home uninhabitable or significantly diminish its value, such as foundation cracks, roof leaks, or poor building envelope sealing.

2. Builders Risk & Site Security

Residential sites are often located in accessible neighborhoods and are prone to theft of lumber, appliances, and copper piping. Builders Risk coverage protects the structure and materials under construction from fire, wind, and vandalism.

3. Multi-Family & Condo Exclusions

Many standard policies exclude "Condo/Townhome" work due to the high risk of class-action litigation. Specialized coverage placement is required for builders working on attached housing to ensure they are protected against large-scale construction defect suits.

4. Warranty & State Statute Compliance

Residential builders must often comply with state-mandated "Statutes of Repose" and implied warranties of workmanship. Coverage considers the legal defense costs and repair obligations associated with these long-term consumer protection laws.