Typically, EIFS include insulation board that is secured to the exterior wall surface with a specially formulated adhesive, a water-resistant base coat that is applied on top of the insulation, and a finish coat. Early versions of EIFS, commonly referred to as "barrier EIFS," created a barrier that resulted in moisture getting trapped and mold and wood rot. Many insurers responded by attaching a comprehensive EIFS exclusion to contractors' liability policies. Modern EIFS, commonly referred to as "EIFS with drainage," add a feature with the intent to allow moisture to drain. EIFS are widely used, and many insurers may be willing to amend or remove the exclusion with respect to drainable EIFS but will likely want to see evidence that the contractor is following proper installation practices and utilizing acceptable materials.