I must be tired, but this post really got to me.

Has The Building or The Flying gotten us to this insurance issue?

Dave,

 

Don't worry, It is not considered an "in motion" insured accident if your project falls off the sawhorses -- Unless you are sitting in it making motor sounds.

 

However, when you start to fly it, all the paid in premiums may have already been used up by the cost of repairs to pilots that over-estimated automatic self recovery features built in (CFIT auto avoidance, auto x-wind compensation, auto IMC to Nearest VFR function, etc.).