Might serve as an illustration of concurrent causation. Structures are damaged by strong winds, and heavy rain causes flooding.
High winds open the door that leads into the warehouse lobby. Floodwaters further harmed the floor of the front hall.
It is difficult to isolate the harm brought about by the flood from the harm brought about by wind.
Damage caused by floodwaters is not covered by the building’s commercial property policy, which covers wind-related damage.
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The policyholder will be entitled to coverage benefits under concurrent causation.
Insurance providers disagreed with this view, claiming that the court decisions increased their liability and cost.
Insurance Policies Adapt to Concurrent Causation They also argued that the decision did not take into account the existing exclusion clauses.
An anti-concurrent causation clause was added by insurance companies to homeowners’ and commercial property policies.
