Understanding the Anti-Concurrent Causation Clause

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What is the Anti-Concurrent Causation Clause?

Understanding the Anti-Concurrent Causation Clause

The term “Anti-Current Causation” sounds so complex many homeowners would simply ignore anything that followed. However, like most small print related to your insurance, it's actually important to understand, especially when obtaining a new home insurance quote or comparison shopping.

The Anti-Concurrent Causation clause is contained in many homeowner policies and may severely limit or restrict the amount of funds paid out in the event of a wind and water-related claim. Essentially the clause limits the amount of coverage to correspond to the flood damage when wind and flooding both act concurrently to cause damage to a property.

When shopping for a home insurance quote, be sure to ask the following questions so you can better understand the Anti-Concurrent Causation clause and how it could affect your finances in the event of a major storm.

  1. Does the policy contain the Anti-Concurrent Causation clause?
  2. Over what time period is the event considered "concurrent?"
  3. What would be the limits of my personal liability if only the flood portion were covered while wind damage was excluded?



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