What does a "concurrent causation" clause address?

The "concurrent causation" clause addresses situations where a loss results from multiple causes, including both covered and non-covered perils. This is an important consideration in insurance policies because it outlines how claims will be handled when a loss can be attributed to multiple factors.

For example, if a property is damaged due to a fire (a covered peril) but that damage is exacerbated by a lack of maintenance (a non-covered peril), the concurrent causation clause clarifies how the insurance policy will respond. It helps to determine whether the claim can still be covered despite the presence of a non-covered cause alongside a covered cause.

By understanding this concept, policyholders can better navigate their coverage and recognize how different contributing factors to a loss may influence the claims process. It's significant for insured parties to be aware that if a covered peril contributes to a loss, the insurer may still need to provide coverage, even if other non-covered factors are involved.