What is concurrent causation’
At the same time the causal relationships in the theory of insurance that, if loss or damage result from more than one cause, which is insured and not to the detriment, most likely, will be covered.
Breaking down the ‘Concurrent causation’
An example of parallel causation, when tropical storm commercial warehouse. Strong winds and heavy rains that causes flash how the damage to the front of the building. It is impossible to separate the damage caused by the flooding from damage caused by wind. The building insured under a commercial policy of property which covers damage caused by wind but excludes damage caused by flood. In simultaneous causality, the loss will be covered.
Anti-concurrent causation concurrent causation softens
Simultaneous precedent causal relationship is a result of decisions of the courts of the state of California in 1970-90-ies. Insurers began to worry, as other causes of increased their responsibility and costs. He ignored the basis causes of loss such as flood and earth movement in parallel causes, such as negligence or faulty work led to the loss. As a result, insurance services, office and commercial insurers have revised their policies in the property to include anti-parallel formulations of causation.
Anti-concurrent causation wording States that any loss caused by any of the following risks is not included, even if the second peril contributed to the loss a second danger lies. The exclusion applies whether the two dangers occurred at the same time or one occurred before the other. Many of the strategies commercial real estate to apply the anti-concurrent causation language to certain exclusions, including Ordinance or law, earth movement, government action, nuclear hazard, utility services, water and flooding, or mold and mildew.
Some courts do not apply for other reasons. Instead, they determine that the danger was immediate and the main cause of the loss. If the direct cause is mold, and not the wind, most likely, will be excluded. If the court decides, the immediate cause was wind, then the loss should be covered. The doctrine of concurrent causation applies primarily to all-risk policy. All risks policy should cover a wider range of risks than the politics of risk. The policy covers the named risks of loss of or damage to only those hazards that are listed in the policy. But political risk may contain anti-parallel formulations of causation. An example is a broad form. He called the policy risks, but still includes exceptions listed above. These exceptions are subject to the same anti-parallel language of causation, which can be found in the policy risk.