On new construction and full tear-offs, often yes, particularly where the structure is exposed between phases.
One million primary with substantial excess is standard, and many New York projects require five million or more.
Yes, under completed operations. Water intrusion is the leading roofing claim and often surfaces seasons later.
Resulting damage to the building interior generally is. Replacing your own defective roof work usually isn't.
Fall severity. Labor Law 240 makes gravity-related injury claims severe, and many carriers decline the class outright.
