homebuilder claims is denied due to policy exclusions the builder didn't know existed
Exclusions buried in the fine print, completed operations gaps, and unchecked sub certs leave Phoenix homebuilders exposed. We find the gaps before a claim does.
Get Your Free Builder's Risk Review →Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.
Prefer email? Send your dec page to [email protected]
No credit card. No obligation. As your broker, we work for your interests — not the insurance company’s. We shop a national carrier network for the best coverage at the best price.
When a claim is denied, it's rarely because of fraud — it's because of exclusions nobody explained at renewal.
Standard builder's risk policies are loaded with exclusions — earth movement, faulty workmanship, water intrusion — that may apply directly to your project type. Most builders don't discover this until a claim is denied at the worst possible time.
Once you hand over keys, your general liability exposure begins. Completed operations coverage protects you from claims that arise after a project is done — but many policies have inadequate limits or short extended reporting periods for Phoenix's active litigation environment.
Collecting a certificate doesn't mean you're protected. Wrong additional-insured endorsements, expired policies, and sub-limits that don't match your contract requirements are all common — and all leave you holding the claim when a sub has an incident on your project.
We review your builder's risk policy, General Liability (GL) completed operations limits, and sub cert requirements against current Phoenix market benchmarks. You get a clear report showing exactly what's covered, what isn't, and what it would cost to fix it.
With the TSMC buildout and housing demand driving record Phoenix construction activity, subcontractor chains are longer and claims are more complex. The average nuclear verdict grew from $49.7M in 2019 to $98M in 2024. Limits set three years ago may not be enough today.
DANESURE