Premier Construction Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.
Most Builders Risk Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Premier Construction’s Security Lapse*
During a $50 million development, vandals damaged $300,000 worth of HVAC equipment. The security alarm system was disarmed overnight after guard rounds ended early. The insurer denied the claim, citing a “condition precedent”—a requirement for “24/7 armed security or properly functioning alarms” at all times.
Potential Denial (The Exclusion):
Builders Risk policies include strict security and alarm conditions. A lapse in security, even minor, can be used to deny theft and vandalism claims.
Risk Identified by My Policy Advocate:
Security condition precedent.
Policy Language:
“The Insured shall maintain 24/7 security by armed guards or alarm system; failure to do so excludes theft and vandalism claims.”
Discovery by Clara, our Ai Assistant:
Clara flags the specific security requirements, which must be upheld at all times for theft and vandalism coverage to apply.
Questions to Ask Your Agent:
- Does a monitored alarm suffice?
- Are daytime-only guards enough? What documentation is required?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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