Understanding what is considered “under construction” can be the difference between staying compliant with local building regulations and facing unexpected fines or project delays. For property owners, developers, or real estate investors in West Palm Beach, Florida, this distinction becomes even more critical due to regional permitting laws, hurricane-related building codes, and insurance considerations.

Whether you’re building a luxury waterfront estate, developing commercial property near Downtown West Palm Beach, or simply remodeling your bungalow in Northwood Village, knowing when a project is officially “under construction” matters—a lot.
With David Spade of Star Roofing, we’ll explore what defines a construction project as being officially “under construction,” local permitting and zoning implications, insurance angles, and how the definition applies differently in real estate, insurance, and legal contexts—all tailored to the sunny, fast-growing landscape of Palm Beach County.
The Core Definition: What Does “Under Construction” Mean?
At its most basic level, “under construction” refers to any phase of active building or renovation work that has moved beyond planning and into physical execution. In practical terms, this typically means:
- Permits have been issued
- Site work has begun (e.g., land clearing, excavation, foundation)
- Materials are being delivered and installed
- Labor is actively occurring on-site
However, the phrase isn’t always this straightforward. Depending on whether you’re speaking to a zoning officer, a construction lender, or an insurance adjuster, “under construction” may carry nuanced definitions—especially in West Palm Beach, where building codes are enforced rigorously due to flood zones and storm-resiliency requirements.
How West Palm Beach Classifies “Under Construction”
In West Palm Beach, construction activity is regulated by the Palm Beach County Planning, Zoning & Building Department (PZB) as well as city-level enforcement. According to local code:
“A property is considered under construction once an approved permit has been issued and substantial site preparation or physical construction has commenced.”
Key Local Factors Include:
- Zoning compliance: Is the land zoned appropriately for the intended use?
- Permit activation: Inactivity within 180 days of permit issuance may void the permit.
- Stormwater management: In low-lying areas like El Cid or Flamingo Park, site work must meet water runoff regulations before construction officially begins.
Pro Tip: In areas near the Intracoastal Waterway, environmental permitting may add additional steps before a project can legally be deemed “under construction.”
Legal and Real Estate Perspectives
In real estate and legal circles, “under construction” can affect contracts, financing terms, and even resale value. For example:
- New home listings in communities like The Acreage or Ibis often state “under construction” to attract pre-sale interest.
- Under Florida Statute 713, which governs construction liens, “construction” is legally recognized when “visible commencement of operations” is present—usually the start of physical labor or delivery of materials to the site.
This is especially relevant for investors working on multi-family developments along Okeechobee Boulevard, where timing of lien rights can affect financial risk and closing dates.
Insurance Implications: When Coverage Kicks In
One of the most critical questions for property owners in West Palm Beach—especially those rebuilding after storm damage—is when a property is insurable under construction.
Generally, standard homeowner’s insurance does not cover buildings that are “under construction.” You’ll need a Builder’s Risk Insurance policy, which usually activates:
- After permits are secured
- Once the first materials or labor show up on-site
Florida insurers are cautious due to the state’s hurricane risk. For example, Citizens Property Insurance, Florida’s state-run insurer, has strict definitions and may not bind coverage after certain dates in the hurricane season (June 1 – November 30).
Construction Phases: Timeline Markers in West Palm Beach
To help identify whether your project is “under construction,” here’s a simplified construction phase timeline commonly recognized in South Florida:
Phase | Description | Considered Under Construction? |
---|---|---|
Planning | Design, budgeting, approvals | ❌ Not yet |
Permitting | Permit application and approval | ⚠️ Almost |
Site Prep | Land clearing, fencing, excavation | ✅ Yes |
Foundation | Concrete pouring, utility trenches | ✅ Yes |
Framing | Walls, trusses, roof deck | ✅ Yes |
Exterior Work | Roofing, siding, windows | ✅ Yes |
Interior Finish | Drywall, painting, fixtures | ✅ Yes |
Final Inspection | Punch list, approvals | ✅ Yes |
This is particularly relevant for contractors in South End, where historic district rules may add extra inspections during exterior work.
Local Examples: Spotlight on West Palm Beach Developments
To ground this topic in the real world, here are some local projects that were recently considered “under construction”:
- The Bristol Palm Beach – Luxury high-rise that triggered “under construction” status upon site excavation.
- NORA District Development – A $1B downtown revitalization project. City deemed it “under construction” after utility groundwork began.
- Currie Park Redevelopment – Construction status triggered once the environmental site work began, even before buildings went vertical.
Each of these projects offers a live example of how “under construction” can be defined in practice—often starting before walls go up. See Star Roofing for more.
Final Word: Define It Right, Avoid Risk
So, what is considered under construction in West Palm Beach, Florida?
In short: When the shovel hits the dirt—legally and literally.
For residents, real estate professionals, developers, and service providers in Palm Beach County, knowing this term’s implications helps:
- Avoid zoning violations
- Secure proper insurance
- Protect financial investments
- Boost SEO visibility with smart content and listings
So whether you’re breaking ground in Lake Worth Beach or launching a reno in Southland Park, make sure your project is officially “under construction” before the real work begins—or you could be building trouble instead of your dream home.