Commentary and analysis on the
law of insurance coverage

Category Archives: Proximate Cause

Florida Supreme Court Sides With Policyholders on Concurrent Causation

cause-image  Sometimes — maybe even often — a loss arises because of a cause that is, at the same time, both covered and not covered by an insurance policy.  For example, a storm surge caused by the wind from a hurricane (covered) results in the swamping of an ocean-front home with sea water, which is commonly known as a “flood” (not covered).  What’s a court to do when the carrier issues its inevitable coverage denial to the policyholder? Read More

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