Glossary

Destruction and removal efficiency (DRE) is a percentage that represents the number of molecules of a compound removed or destroyed in an incinerator relative to the number of molecules that entered the system.

The development factor is a factor applied to losses before they are fully matured to account for loss development and incurred but not reported (IBNR) claims.

A deviation concerns a rate or policy form differing from that published by a rating bureau.

Difference-in-conditions (DIC) insurance is a policy that provides additional limits of coverage for specific perils when standard markets won't provide adequate limits, adds coverage for perils that are excluded on standard coverage forms, or supplements international policies written by admitted insurers in the applicable foreign countries.

A difference-in-limits (DIL) clause is a provision contained in an insurance policy that provides coverage for the difference in limits between the limits of that policy and another policy that also covers the insured for the perils insured against.

A difference-in-limits (DIL) policy is a type of difference-in-conditions (DIC) insurance policy or clause within a DIC policy that may reimburse additional expenses greater than the limit established in the standard insurance policy.

A digital flood insurance rate map (DFIRM) is a flood insurance map developed by the Federal Emergency Management Agency (FEMA) for use with Geographic Information Systems (GIS) technology.

Diminution in value (auto) is a measure of the perceptual and/or actual lost market value for automobiles involved in major accidents, even if the automobile or vehicle is repaired properly.

Diminution in value (property) is a measure of the loss of use of property that has not been physically injured but that is less marketable because of the presence in it of a known defect.

Directive on data protection (Directive 95/46/EC) was a European Union (EU) directive adopted in 1995 that was used as the basis for data protection laws of all EU member nations and that prohibited transfers of personal data to countries without "adequate" data protection.