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 sum insured consists of the costs of all construction work (labour costs and the replacement value of all construction materials supplied). The insureds are also insured against damage caused by fire, lightning or explosions as well as 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.