Prepare coverage questions and evidence for licensed insurance professionals without treating general labels as a policy conclusion.
Insurance responsibility can change while modules are being built, stored, transported, set, connected, and occupied. A product name such as homeowners or builder’s risk does not prove that every phase, party, value, and hazard is covered.
Draw the project risk timeline
List who owns the land, modules, materials, and completed work at every milestone. Add factory location, storage, transport, crane, site work, unoccupied structure, temporary utilities, testing, occupancy, and warranty work. Then ask licensed professionals to map actual policies, endorsements, limits, deductibles, and exclusions to that timeline.
Bring complete facts to the coverage discussion
- Project address, use, value, schedule, contracts, and financing requirements
- Home category, construction method, foundation, and occupancy plan
- Factory, transporter, crane, builder, and subcontractor responsibilities
- Flood, wildfire, wind, theft, vacancy, and other relevant site conditions
- Stored property, materials in transit, temporary structures, and equipment
- Certificates, additional interests, notices, claims contacts, and evidence deadlines
Ask what each policy actually protects
| Risk phase | Coverage question | Evidence needed |
|---|---|---|
| Factory or storage | Who bears loss before shipment? | Contract terms and policy confirmation |
| Transit and set | Are modules and lift operations covered? | Transport and crane responsibility records |
| Site and completed home | When does property coverage attach and convert? | Inspections, occupancy, valuation, policy documents |
Coordinate insurance with contracts and lender rules
- Identify contractual risk transfer by milestone.
- Request coverage requirements before bidding.
- Compare policy language with project values and phases.
- Resolve gaps among owner and contractor policies.
- Update values and dates after approved changes.
- Keep claim, notice, and incident procedures accessible.
Do not rely on coverage shorthand
- Assuming a contractor certificate protects the owner for every loss
- Leaving modules underinsured during storage or transit
- Failing to update completion date or project value
- Treating a flood-zone lookup as a complete hazard assessment
Maintain a coverage register
Record carrier, policy, named insured, additional interests, effective dates, limits, deductibles, major exclusions discussed, covered location or property, required notices, certificate status, lender conditions, responsible contact, and the document confirming each project phase. Review it before shipment and occupancy.
Continue with the next decision
Sources and further reading
Primary and contextual sources used to verify definitions or give readers a relevant next resource.
- FEMA flood-map products and tools Primary federal access point for official flood maps and flood-hazard products used as one input to property-risk investigation.