Key Points Insurance Coverage for Collapse Doctrine of Concurrent Causation Evolution of Coverage — Insurance Industry Response Homeowners (HO 00 03 10 00) Commercial Property Two Positions on the Meaning of Collapse Collapse Coverage Conclusion A Word About Builders Risk Insurance Who Wins When Policy Language is Ambiguous? Insurance is an Intangible A Contract of Adhesion What "Contract of Adhesion" Means for Insurers Download This Issue Request Hard Copy View All Issues Insurance Coverage For Collapse: How Has It Changed and Why?