In insurance claims, a method called concurrent causation is used to deal with losses or damages that come from more than one source.
Court decisions and opinions are the source of concurrent causation. This body of legal precedent is useful when parties in a dispute need a court’s decision.
In the context of insurance, concurrent causation occurs when a property suffers damage as a result of two distinct events, one of which is covered by the policy but the other is not.
Damages from both causes are likely to be covered, but this will depend on the specific circumstances, the type of policy in effect, and the state court where disagreements will be heard.
Policies for liability insurance may also take into account concurrent causation.
The term “concurrent causation” refers to the identification of a loss that is caused by multiple factors; for instance.
A windstorm that damages the roof also damages the rainwater, which damages mold.
