Recent burglary under a builders risk policy, who is responsible?

[Kyle Gregg]

More drama with my recent 203k and i need some insight....

We have moved into our 203k rehabbed house about 3 weeks ago. Last friday someone broke into our house and stole about $5000 worth of personal property. I contacted my mortgage company to see who my insurance was covered by (its been awhile since closing and i forgot). They sent over my current policy and turns out im still under a Builders Risk policy. 

i did some quick research and i found that builders risk insurance does not cover personal property since personal property on a construction site usually signifies that the owner is now living there. 

So now im left we the wrong insurance coverage and $5000 in losses. 

Is it the mortgage company's responsibility to notify the insurance company that we have taken occupancy? Thus, making the policy null and void...forcing me to get homeowners insurance?

Can anyone provide me some insight that could help me out? Im somewhat loss.