Builders Risk Coverage Review

BUILDERS RISK

Builders risk coverage for projects in the Sierra.

New construction, major renovations and mountain rebuilds often need more than a standard property policy. Tell us what is being built, where the project stands and who is involved, and we’ll review the appropriate builders risk / course of construction options.

Truckee, Tahoe and Northern Nevada projects can involve wildfire exposure, winter construction, high replacement costs, lender requirements, existing structures and complicated renovation scopes. The goal of this intake is to get the project organized before we approach a market.

Start Project Review

WHO SHOULD USE THIS FORM

Use this review for construction project coverage.

New homes

Ground-up residential construction, spec homes, owner-builder projects and contractor-managed builds.

Remodels and additions

Substantial remodels, renovations, additions, rebuilds and projects involving an existing structure.

Course-of-construction risks

Lender-required builders risk, construction timelines, project values, materials, site security and wildfire or winter exposure.

If you need contractor general liability, workers compensation, commercial auto, certificates or broader contractor coverage instead of project coverage, start with Contractor Insurance or use the Business Coverage Review.

General Business Coverage Review

SECURE UPLOAD

Have plans, estimates or lender requirements?

Uploading your construction contract, project budget, plans, lender insurance requirements, permit documents or current photos can save a lot of back-and-forth.

Helpful documents

  • Construction contract
  • Project budget / cost breakdown
  • Plans and permits
  • Lender insurance requirements
  • Appraisal or current site photos
  • Construction schedule
  • Existing insurance declaration page
  • GC certificate of insurance if available

Secure document portal

Documents are uploaded directly through the DPIS Microsoft file-request portal and are not stored on this website.

Securely Upload Project Documents

For your security, please upload project or insurance documents only. Please do not include passwords, Social Security numbers, tax ID numbers, banking information, payment-card information, loan/account numbers, DOBs, driver license information, or software/executable files.

START HERE

Submit the project for review

Share what you know. If you uploaded project documents, we can use those to reduce follow-up and organize the market approach.

Contact Name
Do not enter tax ID, Social Security number, or other sensitive identifying numbers.

Project Location

Tell us where the construction project is located.

Project Type

Use the closest match. We can sort out details after reviewing the scope.

Construction Status

Approximate answers are fine. Project status affects which markets may be available.

Project Cost / Values

Use best estimates. Uploading a project budget, contract, appraisal, or lender requirements can reduce back-and-forth.

Optional. Do not include unless helpful for lender context.

Building Details

Use what you know now. Plans or estimates can fill in the rest.

Contractor Information

This is underwriting context only. Contractor insurance answers are not eligibility promises.

Site / Loss Control

Simple site controls can matter for theft, fire, winter, access, and wildfire review.

No need to determine an official fire hazard score.
Examples: steep driveway, seasonal road, gated access, limited winter access, remote site.
Will any of the following need to be considered?
These are review topics and are not automatically included.

Prior Losses

High-level answers are enough here.

Timing and Final Notes

Tell us what is time-sensitive and whether you uploaded supporting documents.

Privacy note: Please do not enter Social Security numbers, tax ID numbers, banking information, credit card information, loan or account numbers, dates of birth, driver license information, passwords, or other sensitive personal information in this public form.

Disclosure: Submitting this review does not bind, alter or cancel insurance coverage. Builders risk terms, eligibility and available coverages vary by carrier and project. Coverage is only effective when confirmed in writing by Donner Pass Insurance Services and/or the applicable insurance carrier.

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