Fire, water, collapse, or a storm in a finished building is one kind of file. The same event on a building under construction, renovation, or expansion is another. The envelope is open. Power is temporary. Materials are sitting in the weather. A general contractor is trying to hold a date.
That is course-of-construction work, including builders-risk files. The job is to hold the site, protect work that is still sound, and give the contractor, the owner, and the carrier a clear way back to the build.
What is different on an open site
- Water and weather can reach floors a finished building would have kept dry
- Temporary power and unfinished fire protection change the first night
- Stored material, installed equipment, and half-built assemblies have to be sorted: save, dry, or replace
- The people who can approve a change are the contractor, the developer, and the project manager
The record has to explain the delay
These files often turn on what the loss did to the schedule, not only what it did to the concrete. Photos, a plain account of what was protected, and a repair breakdown a carrier can read are part of the work. On an assigned file, Encore's target for repair breakdowns is about 14 days.
The triggers we take are fire, water, collapse, storm, and damage that comes from the construction itself.
Related: course-of-construction restoration.