What does the Anti-Concurrent Causation Exclusion aim to eliminate in terms of coverage?

The Anti-Concurrent Causation Exclusion aims to eliminate coverage for losses that occur as a result of multiple causes, where at least one of those causes is covered under the policy. This exclusion is particularly significant because it clarifies that if a loss is attributed to both a covered peril and a non-covered peril, the insurer will not provide coverage for that loss.

For instance, if a property suffers damage from a fire (a covered cause) but also from flooding (a non-covered cause), the Anti-Concurrent Causation Exclusion would apply. This means the insurer is not liable for the loss because it is deemed to result from two concurrent causes, one of which is excluded from coverage. Therefore, even if there is a covered peril involved, the existence of a non-covered peril can negate the insurer's responsibility for the whole loss.

This exclusion is important for defining the boundaries of coverage and helps protect insurers from claims that might otherwise be interpreted as being partly covered when they involve excluded causes.