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When a homeowners insurance company decides whether to approve or deny a claim, the cause of damage is key.

Policies cover certain perils and exclude others.

This can be a problem if damage has multiple causes.

Many policies contain an anti-concurrent causation clause that says a claim for damage caused by two perils, one covered and one excluded, will be denied…

Regardless of the order in which events occurred.

Some homeowners have sued their insurance companies after their claims were denied.

Results varied based on state laws and the interpretations of different courts.

Read your homeowners insurance policy so you understand what it does and doesn’t cover.

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