Your builders risk policy is a homeowner's policy minus personal property coverages that are generally 70 - 75% of the dwelling coverage. Your personal property won't be there and won't need as much coverage at this location. You should definately have a renters policy for your personal property at the unit you are renting and yes it will have some liability as well. You will want your own liability coverage in the event someone walks on your property and gets hurt or a child falls into a whole/basement/well etc. As materials are delivered they will be covered which is very important. Theives like to go ahead and help themselves to materials. Fire is also covered, I had a customer do what your doing and each time he got close to being done, the house burned down to the ground. Needless to say, he didn't build again but can't sell the property neither. There will be other coverage's but that will depend on which state your in and the policy coverage's issued there.

I personally think the mold remediation concern is overblown. I know that mold can be toxic and mold/mildew causes odors and mold can harmful to people, yada, yada, yada. But with that said, I also believe a huge, giant, gargantuan sum of hard earned money is being collected annually by this relatively new industry---and my belief is that well more than half of the time, the work is unnecessary. Craziness like mold being found in a library---then every page of every book needing remediation, or all books needing replacement. That defies common sense and it's just a way to make money for some well placed people. In terms of a home---we recently had (and are still working through) a water problem that caused minor water damage in the basement and first floor coupling of a section of hardwood flooring. Contractors putting on new screened porch didn't have flashing properly installed and it rained for three days. It was probably 6-8 gallons of rainwater that got in and caused havoc. We're renting an industrial dehumidifier at $125.00 a day and have used a smaller dehumidifier and fans (and Lysol) to try to work things out before the carpeting is put back and floor repaired. I will take common sense precautions. I spoke with a carpeting guy who has been doing it for 40 years and he told me the Service Pro type companies who bring in 6 foot fans and fancy equipment overcharge and scare people, in his opinion, only to raise the stakes and make more money. I agree with him to the extent that in 1972, Wilkes-Barre Pennsylvania was flooded. Houses were literally covered to the second floor eves with muddy flood water, dead fish, mosquitos, frogs, etc. It was June of '72, a hot, humid Summer followed. Guess what? The walls were built back on the damp frames of the homes, mother nature dried things out before new floors and carpet were installed---no one was talking about mold or worried about it. I'm pretty confident that the vast majority of these homes pose no health risk today, 35 years after the event. Most of the homes have the same siding and framing as they did the day before the flood.

Thanks for the advice. We've finally gotten the problems solved. The claims rep. stated she couldn't accept my handwritten list of stolen items, and sent it back. She wanted it formatted to her form, which I couldn't use. Reason, it's from Excel, which I don't have. Underwriting department has received our letter. We were forced to contact a manager. Seems our claims rep. didn't want to convert our list herself, and was trying to make me do her work. And it's her fault that other letter wasn't sent to underwriting department. We will probably find another insurance company anyway. This kind of treatment from them is totally unacceptable to us. First, last, and only claim!

We have just had this conversation with our GC because he intends to use trusses for part of our addition. I'm thankful for these Houzz threads because I knew enough from several of these types of posts that we needed to do 16" OC trusses with thicker OSB just like you'd have if it were stick framed. He actually suggested this before I mentioned my "knowledge" because he knew that we'd have "waviness" if we didn't.