In the event of a claim, HDI construction ‘all risks’ insurance reimburses to an agreed extent the costs required to clean up the site and restore it to the pre-loss condition. The insurance sum consists of the costs of all construction work (labour costs and the replacement value of all construction materials supplied) not including gardens and ancillary construction costs. The policyholder can also insure against damage caused by fire, lightning or explosions and loss caused by theft of project-dedicated components and materials. Nevertheless, following a damage event, principals often have to pay building contractors for services already rendered. HDI construction all-risks insurance insures principals against this cost risk.