Enter the common or contentious loss agreement. This approval is attached to both policies and essentially stipulates that both insurers agree to pay the insured and then discuss among themselves who is responsible for the portion of the damage after the insured is recovering. The goal is to get the insured as quickly as possible and from the middle of the dispute. Non-life insurance, where in-kind insurance and equipment coverage (boilers and machinery) are written on the insured land. Some losses may include the two coverages that allow each insurer to argue over who is responsible for which portion of the loss. In the event of a dispute, the insured has not been compensated. It is important to remember that real estate policy and equipment failure coverage are necessary to obtain this confirmation. If only one has it, it is as if neither of them has accepted the provision.