With material costs fluctuating and trade policies shifting rapidly, contractors and owners are forced to make real-time adjustments to budgets, schedules and risk strategies.

Project owners and general contractors are now increasingly using COIs as gatekeeping tools rather than as formal verification documents, and that shift is intentional.

A Reddit user’s homeowners insurance jumped from $2,155 to $3,088 in one year. That’s a 43% increase, despite no claims. This ...