Anti-Concurrent Cause Exclusions
The court ruled that even if the plaintiffs could prove that the levees were negligently designed, constructed, or maintained and that the breaches were due to this negligence, the flood exclusions in the plaintiffs’ policies unambiguously precluded the insureds’ right to indemnity because the efficient proximate cause of the loss was flood that might have been contributed by negligence.
The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library.
(c) 2015, Barry Zalma
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