Property Insurance Claims with Multiple Causation Losses: Coverage Fundamentals

Evaluating Causation in First-Party Claims with Covered and Non-Covered or Excluded Causes

Recording of a 90-minute CLE webinar with Q&A

Conducted on Thursday, April 5, 2012

Recorded event now available

or call 1-800-926-7926
Course Materials

This CLE course will provide an introduction to various approaches used by courts to determine coverage in first-party property insurance claims with multiple losses. The panel will explain best practices for counsel to insurers and policyholders in evaluating causation when there are covered and non-covered or excluded causes of loss.


In first-party property claims, multiple causes of loss are common and often one cause is either not covered or is an excluded cause complicating the determination of coverage.

Courts have adopted various approaches to determine coverage in such situations: the efficient proximate cause doctrine, the independent concurrent cause rule, and enforcement of a policy's "anti-concurrent causation" language.

In evaluating coverage, counsel to insurers and policyholders must analyze the policy language and governing law and apply it to the facts of the case. Counsel for either party can benefit from best practices for working with consultants to investigate claims with multiple causes of loss.

Listen as our authoritative panel of insurance coverage practitioners discusses best practices for evaluating first-party property coverage in cases of multiple causes of loss.



  1. Efficient proximate cause doctrine
  2. Independent concurrent rule
  3. Enforcement of "anti-concurrent causation" language
  4. Best practices for insurers and policyholders in evaluating coverage


The panel will review these and other key questions:

  • What approaches have various courts taken to evaluate causation in losses with more than one cause?
  • What should the parties consider in defining and counting the number of perils?
  • What should the parties consider when working with consultants to investigate causes of losses?

Following the speaker presentations, you'll have an opportunity to get answers to your specific questions during the interactive Q&A.


Rina Carmel
Rina Carmel

Senior Counsel
Musick Peeler

Her practice focuses on defending bad faith claims and other complex coverage litigation. She represents insurers and...  |  Read More

Susan J. Field
Susan J. Field

Musick Peeler

Her practice principally involves representing insurers in complex insurance disputes on a wide range of issues under...  |  Read More

Arden B. Levy
Arden B. Levy

Arden Levy Law

She represents corporate and individual policyholders in insurance recovery matters, recouping millions of dollars for...  |  Read More

Access Anytime, Anywhere

Strafford will process CLE credit for one person on each recording. All formats include course handouts.

To find out which recorded format will provide the best CLE option, select your state:

CLE On-Demand Audio