What Does Concurrent Causation Mean in a Damage Claim?

Imagine a storm with high winds, which is typically a covered cause, and storm surge flooding, which may be excluded in a standard policy. If both forces damage your home simultaneously, that is concurrent causation. The insurer then investigates to separate the wind damage from the flood damage. Only the portion caused by the covered wind peril might be covered under your main policy.

This scenario is common in coastal areas with humid, storm-prone climates. Storms can bring multiple damaging elements at once. Understanding this concept helps you see why an insurance adjuster carefully inspects the damage. They look for evidence to attribute specific destruction to each distinct cause before making a coverage decision.

Your first step is to prevent further damage safely, like placing a tarp on a damaged roof. Then, document everything thoroughly before any cleanup begins. Take extensive photos and videos from multiple angles, capturing all damage. Write a detailed narrative of what happened and what you observed. This creates a vital record for the insurance investigation.

Next, report the loss to your insurance company promptly. Be clear in describing all the events you believe contributed to the damage. Avoid making assumptions about what is or isn't covered during this initial call. Request a copy of your full policy to review the specific language on covered perils, exclusions, and any concurrent causation clauses that may apply.

• Secure the property to prevent new damage.
• Photograph and video all damage from multiple angles.
• Write a timeline of events leading to the loss.
• Do not dispose of damaged items before the adjuster sees them.
• Keep records of all communications with your insurer.
• Review your insurance policy's declarations and exclusions pages.

If your claim is denied or underpaid due to concurrent causation, you have options. You can formally appeal the decision with your insurance company, providing your additional evidence. You may also hire a public adjuster to independently evaluate your loss. For complex disputes involving significant sums, consulting with a qualified attorney who specializes in insurance law is advisable.

An attorney can review your policy, the denial letter, and the evidence to advise if you have a strong case. They understand state insurance regulations and legal precedents that might influence your situation. Legal action is generally a last resort, but understanding your rights is important. Remember, the insurer's initial determination is not always the final word on the matter.