Insurance?

A lot of people have asked "Doesn't your insurance cover that?"
Well, yes and no.  They will not cover anything due to negligence, which is how they define the builder's mistakes.  So they will not help to pay to fix the building envelope.  They will cover for damages to things inside the house due to the water infiltration.  Luckily we have had really no damage to flooring, furniture, etc.  I did have an insurance adjustor out, and he said they will help pay for repairs to the drywall etc.  However, we don't want to repair the inside until we fix the outside, so we will be in touch with the insurance company in October or November once we get to that stage.