What is the purpose of the anti-concurrent causation clause?

The purpose of the anti-concurrent causation clause is to limit coverage in situations where more than one peril, particularly those that are excluded under the policy, occurs simultaneously. In insurance policies, when a claim involves multiple causes, determining the applicable coverage can become complex. The anti-concurrent causation clause helps to clarify that if any one of the causes is excluded, then the insurer is not liable to pay for the claim, even if another cause could have been covered.

This clause is particularly relevant for perils like water damage, where there may be simultaneous occurrences, such as flooding and a plumbing failure. This means that even if one aspect of the damage would be covered, the presence of an excluded cause can result in a denial of the claim. It emphasizes the importance of understanding policy language regarding concurrent causes and helps insurers better manage their risk exposure while guiding policyholders on the limits of their coverage.