There are many risk factors during a construction project — from theft, fire, and vandalism to weather damage, liability, or job site injuries. Managing these risks means understanding what your policy covers and what it doesn’t.

Alta Home carries $2,000,000 in liability insurance and full WCB coverage for our employees, protecting you and us from injury claims, job site incidents, and legal liabilities.

However, Builder’s Risk Insurance is separate — this covers damage or loss to the structure under construction, materials on site, and certain unforeseen events. Most homeowner insurance policies do not automatically cover major projects like basement developments, additions, or garage builds unless you’ve told your insurer in advance.

We always recommend that homeowners notify their insurance company about the project before we begin. If your provider won’t extend coverage, we can offer Builder’s Risk Insurance through our provider for an added cost — just let us know.