September 19, 2019 Feature

When Wind - and - Flood Unite: The Anti-Concurrent Causation Clause

By Gregory P. Varga

When a homeowner or business sustains catastrophic property damage and submits a first-party insurance claim, the threshold inquiry is whether the cause of the loss is covered by the policy. In theory, the task of identifying the cause of property damage should be a relatively straightforward exercise. For example, where a home is gutted by fire, our instinct is to say that fire was the cause.

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