Key Points Difference in Conditions Coverage No Standard Form Policy Approach Property Covered Coinsurance Policy Wording of Covered Perils and Exclusions Limits of Insurance Joint/Disputed Loss Agreement Deductibles Valuation Clause Business Interuption Ordinance or Law Exclusion Subrogation Provisions Court Decisions Involving DIC Coverage Builders Risk DIC Policy Conclusion Download This Issue Request Hard Copy View All Issues Difference in Conditions Coverage: What Is It and Who Needs It?