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Sometimes—but the answer depends on the policy wording, not the fact that a project is marketed as green. A 2010 announcement from Travelers Inland described an optional “Green Building Additional Coverage” for Builders’ Risk or Installation policies. Its stated purpose was to address the cost of rebuilding covered property and recertifying it to the project’s budgeted level of green certification after a covered loss. The announcement also referred to alternative power-generating equipment and alternative water systems.
That announcement is historical. It does not show that the product is still available, establish current limits or exclusions, or prove that every certification expense or sustainable technology would be covered. Owners, contractors and lenders should treat it as a useful checklist of questions for a current insurer or broker, not as evidence of a policy they can buy today.
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The item published by Building Design + Construction on August 11, 2010 described an optional enhancement called Green Building Additional Coverage. It was presented as an add-on to either a Builders’ Risk policy or an Installation policy for new or renovation projects.
The stated objective was to help a project move forward with minimal impact after a covered loss. More specifically, the announcement said the coverage addressed costs associated with rebuilding and recertifying covered property to its budgeted level of green certification. It also identified alternative power-generating equipment and alternative water systems as technologies related to the coverage.
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Those are the boundaries of what the source establishes. It does not publish the policy form, definitions, deductibles, limits, sublimits, valuation method, waiting periods, exclusions, claim examples or a list of eligible certification programs. It also does not say whether the enhancement remained available after 2010. A reader should not turn a press announcement into a promise of payment.
| The announcement says | The announcement does not establish |
|---|---|
| An optional enhancement for Builders’ Risk or Installation policies | That the product can still be purchased |
| Rebuilding and recertifying covered property to its budgeted green-certification level | Which certification systems, fees or consultants qualify |
| Alternative power and alternative water systems were relevant technologies | That every such system, component or failure is covered |
| The goal was to reduce disruption after a covered loss | Any particular claim outcome, limit or settlement amount |
Why can a green project create a different insurance question?
Green design can involve products, equipment and performance targets that are not interchangeable with conventional construction. If a covered fire, storm or other insured event damages a specified component, replacing it with the cheapest functionally similar item may not restore the project’s planned certification level. The owner may also face costs to document the replacement and demonstrate that the building still meets its target.
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1Fix the driver behind crashes, sound loss and screen glitches2Clear out junk files and repair common Windows errors3Scan for outdated or missing drivers - takes under a minuteThe 2010 announcement quoted Joseph Tracy, identified as Travelers Inland’s chief underwriting officer, saying: “A new set of risks can surface when green building construction materials are used and stored.” The article connected that rationale with the added cost of innovative materials and exposures associated with sustainable site development, water and energy consumption, and indoor environmental quality. Those points explain why an insurer might create a tailored endorsement; they are not a current underwriting checklist or a statement that each exposure is insured.
For example, an alternative water system could be a project-specific design with unusual tanks, pumps, controls or treatment equipment. Alternative power generation could involve equipment that has different replacement lead times or installation requirements from the utility connection it supplements. The source names these categories but gives no technical schedule and no coverage interpretation. The project team must therefore obtain the actual wording before relying on it.
Does builders’ risk automatically pay the extra cost of rebuilding a certified project?
No. A Builders’ Risk or Installation policy may be the place where a green-building endorsement is attached, but the policy name alone does not answer whether certification-related costs are insured. The historical announcement described an optional enhancement precisely because ordinary policy assumptions might not address the additional expense.
Three separate questions must be answered in writing:
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- Was there a covered loss? The enhancement described in 2010 was tied to rebuilding after a covered loss. If the initiating event is excluded, an endorsement cannot be assumed to create coverage.
- What property and costs are covered? “Green” can describe materials, equipment, site work, operating performance and a certification process. The announcement does not say that every category is included.
- What level must be restored? The stated objective referred to the project’s budgeted level of green certification. That phrase raises questions about the baseline, the named certification program, the stage of certification and the evidence required to prove the target.
Until the insurer confirms those points in the policy and endorsements, an owner should assume only the expressly written coverage applies.
What extra costs might a green-building endorsement be intended to address?
The source supports two broad cost concepts: rebuilding covered property and recertifying it to the budgeted green-certification level. In practice, a project team could ask whether the wording treats the following as direct property damage, an additional expense, or neither:
- Replacement of a specified high-performance material with an equivalent product that costs more than a conventional substitute.
- Re-design, re-engineering or commissioning needed to restore a damaged sustainable system.
- Testing, documentation, modeling or consultant work required for recertification.
- Fees connected with submitting revised evidence to a certification body.
- Replacement or repair of alternative power-generating equipment.
- Repair or replacement of alternative water-system equipment and controls.
This is a question list, not a claim that the historical product covered every item. A policy may use narrower definitions, set a separate sublimit, or exclude soft costs. A broker should point to the exact insuring agreement, schedule and endorsement language for each expense.
How should you check a current policy for green-rebuilding protection?
Current availability and terms were not established by the 2010 source. If you are arranging coverage now, use the historical announcement as a prompt for a structured review with the insurer or broker.
- Confirm the product exists today. Ask for the current form number, edition date and issuing entity. Do not rely on the old product name or a sales summary.
- Identify the policy phase. Verify whether protection applies during construction, installation, renovation, testing, commissioning and any transition between those phases. The announcement referenced Builders’ Risk or Installation policies but did not explain timing.
- Define the covered-loss trigger. Request examples of covered and excluded causes of loss. Ask whether the green-cost provision follows the underlying property coverage or has a different trigger.
- Write down the certification target. State the certification program, target level and budgeted status at binding. Ask what happens if the project has not yet been certified when the loss occurs.
- Separate property from certification expense. Ask whether recertification, consultants, testing, documentation and submission fees are covered, and whether they are subject to a separate limit.
- Schedule alternative systems. List alternative power and water equipment by type, location and value. Confirm whether permanently installed equipment, temporary systems, controls and stored components are treated differently.
- Check limits and valuation. Compare the total project limit with the replacement cost of specialized green components. Look for sublimits, coinsurance, deductibles, waiting periods and any maximum payable for certification-related costs.
- Review exclusions and conditions. Ask about faulty design, construction defects, wear, testing, delay, pollution, flood, earthquake and utility-interruption provisions as they relate to the project. The historical article supplies no exclusions, so none should be inferred.
- Clarify who receives payment. Determine whether settlement is made to the owner, contractor, lender or another insured, and who controls decisions about an equivalent replacement versus a higher-performing product.
- Document the answer. Keep the quotation, endorsements, schedules and written responses with the contract documents. A verbal assurance that a project is “green covered” is not a substitute for policy wording.
What should an owner document before the policy is bound?
Good documentation makes it possible to show what the project was supposed to achieve and what it would cost to restore. Assemble the budgeted certification level, design narratives, equipment schedules, product specifications, supplier quotations and the project’s cost plan. Identify which items are essential to the target and which are optional enhancements.
For alternative power and water systems, keep equipment values, installation costs, controls, commissioning requirements and expected replacement lead times. Preserve the design professional’s basis for selecting the system and any certification submissions already made. If the project is renovated rather than new, separate existing property from new work so the insurer can see what is being insured during each phase.
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These records do not create coverage. They give the insurer and claims team a clear baseline for applying whatever coverage was actually purchased.
What did the 2010 market figures mean?
The article attributed two projections to the U.S. Green Building Council for 2010: approximately $60 billion in green-building construction value and roughly 10 percent of new commercial construction starts projected to be green. Those figures describe the market outlook reported at that time. They are not current measurements and should not be used to estimate today’s construction volume, insurance demand or pricing.
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Is the named Travelers Inland coverage still available?
The supplied source does not establish current availability. It identifies what Travelers Inland announced in 2010, but it provides no current product page, filing, policy form or renewal information. A company, broker or project team should obtain present-day confirmation directly from an insurer or licensed broker before representing that this coverage can be bought.
Do not assume that a similarly named endorsement has identical terms, that it is offered in every jurisdiction, or that it applies to every certification system. Insurance forms and underwriting appetites can change, and a historical press item cannot resolve those questions.
What are the most common mistakes when insuring a green project?
Relying on the label “green.” A sustainability goal in a design brief does not automatically amend a policy. Coverage must identify the property and expense categories.
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Leaving the certification target vague. “Green-certified” is not a complete specification. Record the program, level, budget and project stage.
Insuring only the building shell. Specialized generation, water, controls and stored materials may have different values and replacement requirements. Ask that they be scheduled or clearly included.
Assuming delay costs are included. Rebuilding and recertification costs are not the same as lost revenue, financing expense or delay damages. Ask about each category separately.
Waiting until a loss to gather proof. Without pre-loss budgets, specifications and certification records, proving the intended standard can be difficult. Retain a controlled document set from design through commissioning.
What should a project team do after a loss?
First, follow the policy’s notice and loss-mitigation requirements and preserve damaged property where safe. Notify the insurer, broker, lender and relevant design professionals promptly. Then create a cost ledger separating physical repair, replacement of specialized systems, redesign, testing, certification work and delay-related expenses.
Do not order a lower-cost substitute solely to keep work moving if doing so could prevent restoration to the documented certification target. Conversely, do not assume a premium replacement is reimbursable without the adjuster’s and policy’s support. Ask the claims team to identify the applicable limit, deductible and documentation for each category before committing to major changes.
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What is the practical bottom line for owners and contractors?
The 2010 announcement shows that an insurer recognized a potential gap between ordinary construction coverage and the cost of restoring a project’s planned green performance. It described an optional enhancement intended to help rebuild and recertify covered property to its budgeted certification level, with alternative power and water systems among the technologies in view.
It does not establish a current product, universal coverage or any particular settlement. The reliable way to protect a present-day project is to define the certification target and specialized systems, obtain current policy wording, verify limits and exclusions, and preserve the records needed to demonstrate what must be restored after a covered loss.
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Frequently Asked Questions
Does a green-building certification itself insure the building?
No. Certification describes a design or performance standard; it is not an insurance contract. Any protection for rebuilding or recertification expenses must appear in the applicable policy and endorsements.
Can an insurer refuse to pay for a greener replacement after a loss?
Potentially, if the policy does not cover the upgrade, the cost exceeds a limit, or the replacement is not required to restore the insured objective. Ask in advance how equivalent replacement and certification-related expenses are handled.
Should alternative energy equipment be listed separately on a construction policy?
Ask the broker whether the equipment is automatically included, subject to a sublimit, or needs scheduling. The 2010 announcement identified alternative power systems as relevant, but it did not provide a property schedule or limit.
What evidence proves the project had a budgeted certification target?
Maintain the approved project budget, design specifications, certification registration or submission records, and consultant or commissioning scopes. These documents support the intended baseline but cannot expand the coverage written in the policy.
