What is the name of your state? NJ, NJ, I am building new house in NJ and have my own insurance, just in case the builder is shady one, the declaration page has Dwell Under Construction – ML3 coverage, Had to file claim for collapsed wall and my attorney have filled complain against builder also, I did notified my insurance agent and the insurance adjuster did took my testimony in my attorney’s present, my agent repeatedly says that there’s no coverage and the collapsed wall would not be covered. I think that’s not true and would like to know how and where I can verify all the coverage’s for “dwell under Construction – ML3”. The insurance pamphlet does not specifically mention coverage for ML-3. Appericate all the help.