The Small Print: Anti-Concurrent Causation Clauses

Many home insurance policies contain so-called anti-concurrent causation clauses. The Consumer Federation of America says this language makes it easier to deny coverage if two factors destroyed a home around the same time. (paraphrased from WNYC-FM)

If two events damage the same structure at the same time and one is covered and one is not, the insurer can deny both. It was an issue that affected some claims after Hurricane Katrina, and there was concern that the same problem would resurface in the aftermath of the nor'easter which followed Superstorm Sandy in areas like Breezy Point where fire destroyed homes after flooding.

Just one more reason why someone needs to learn to read carefully.  Many people learned to their regret that there is a difference between flooding and a storm surge.

I'm waiting for the exposés.