{"id":895963,"date":"2019-06-05T11:08:19","date_gmt":"2019-06-05T17:08:19","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895963"},"modified":"2019-06-05T11:08:24","modified_gmt":"2019-06-05T17:08:24","slug":"anti-concurrent-clause-enforced-covered-non-covered-perils","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/anti-concurrent-clause-enforced-covered-non-covered-perils\/","title":{"rendered":"Anti-Concurrent Clause Enforced Where Loss Was Caused By Covered and Non-Covered Perils"},"content":{"rendered":"\n<p>Paul LaSalle | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/05\/articles\/insurance\/anti-concurrent-clause-enforced-where-loss-was-caused-by-covered-and-non-covered-perils\/\">Property Insurance Coverage Law Blog<\/a> | May 29, 2019<\/p>\n\n\n\n<p>Last week, I had the pleasure of presenting at the Spring Meeting &amp; Seminar of the Professional Public Adjusters Association of New Jersey (\u201cPPAANJ\u201d). One of the more thoroughly discussed topics during my presentation was a recent New Jersey federal court decision involving insurance policy language commonly known as an anti-concurrent\/anti-sequential causation clause.<sup>1<\/sup>&nbsp;The clause bars coverage when two identifiable causes-one covered and one not covered-contribute to a single loss.<sup>2<\/sup><\/p>\n\n\n\n<p>In that case, after Superstorm Sandy, an insured submitted a claim for sustained damage to its homeowner\u2019s insurer. The insurer inspected the property and determined that high winds caused and contributed to damage to certain portions of the property. The insured then hired its own inspector to assess the damage and prepare an estimate of the costs of repairs. The insured\u2019s inspector identified the same portions of the property as wind-damaged as the insurer\u2019s inspector (though with more extensive and costly repairs). The insured also hired a causation expert, who concluded that first wind, then flooding, caused additional damage to the insured\u2019s in-ground pool, boardwalk and electrical transformer.<\/p>\n\n\n\n<p>The insurer sought to dismiss the insured\u2019s damages claim as to to the in-ground pool, boardwalk and electrical transformer arguing that the anti-concurrent\/anti-sequential causation clause in the insurance policy barred any recovery for damages arising from both wind (a covered peril) and flood (an excluded peril).<\/p>\n\n\n\n<p>The court agreed with the insurer, noting that federal and state courts in New Jersey have applied and enforced similar anti-concurrent\/anti-sequential causation provisions \u201cto exclude all coverage for a loss occasioned by a flood, even when a flood acts concurrently or sequentially with a covered peril.\u201d The policy\u2019s anti-concurrent\/anti-sequential clause barred recovery for the in-ground pool, boardwalk and electrical transformer because the insured\u2019s own expert concluded that first wind, and then flooding, caused the damage to those items.<\/p>\n\n\n\n<p>This case highlights that\u2014depending on your jurisdiction\u2014an anti-concurrent\/anti-sequential causation clause within an insurance policy may apply to bar a claim even where a covered peril causes damage prior to an excluded peril.<br>______________________________<br><sup>1<\/sup>\u00a0<em>Zero Barnegat Bay, LLC v. Lexington Ins. Co.<\/em>, 2019 WL 1242436 (D.N.J. March 18, 2019).<br><sup>2<\/sup>\u00a0By way of example: \u201cWe do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paul LaSalle | Property Insurance Coverage Law Blog | May 29, 2019 Last week, I had the pleasure of presenting at the Spring Meeting &amp; Seminar of the Professional Public Adjusters Association of New Jersey (\u201cPPAANJ\u201d). One of the more thoroughly discussed topics during my presentation was a recent New Jersey federal court decision involving&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/anti-concurrent-clause-enforced-covered-non-covered-perils\/\">Continue reading <span class=\"screen-reader-text\">Anti-Concurrent Clause Enforced Where Loss Was Caused By Covered and Non-Covered Perils<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,10820,23,10821],"class_list":["post-895963","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-anti-concurrent-clause","tag-insurance-coverage","tag-non-covered-perils","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Anti-Concurrent Clause Enforced Where Loss Was Caused By Covered and Non-Covered Perils - Advise &amp; 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