Texas — Builders Risk Insurance

Most construction lenders do, regardless of Texas's lighter contractor licensing framework — read the actual loan agreement for the specific requirement.

No — builders risk covers physical damage to the structure; general liability covers different liability exposure. A project can need both.

Confirm this specifically — hail and severe wind are real, common Texas perils and should be addressed explicitly rather than assumed to be automatically covered.

Depends on the contract and any construction loan — the owner, developer or GC may be responsible. Establish this explicitly before construction starts.

Contact the broker before the policy expires — an extension or replacement policy may be needed.

Potentially — some programs accommodate multiple structures, others require separate policies. Confirm the approach early.

Yes — for ground-up, renovation and multi-building projects across Texas and our other licensed states.

Gleason Insurance Brokers is a Texas-licensed broker, not a single-carrier agent, so builders risk insurance in Texas can be shopped across multiple markets rather than one company's terms. Actual turnaround and pricing depend on submission completeness, the scope of your construction projects, and carrier appetite — share your timeline and budget when requesting a quote so we can prioritize accordingly.

Most Texas construction lenders want lender's loss payee (or mortgagee) status on the builders risk policy, a limit sized to the full loan or project value, and often separately specified general liability limits and additional insured status. The loan documents themselves set the actual requirement — review that section before binding coverage.

Generally not as the cause of loss itself, with resulting damage to other parts of the structure often covered. What usually decides the size of a Texas claim, though, is the deductible structure rather than the exclusion: hail across much of the state and named-storm wind on Gulf Coast projects often carry a separate percentage deductible rather than a flat dollar amount, which changes the economics of a partial loss to work in place. Confirm both the workmanship wording and the wind and hail deductible.