Nationwide Insurance won strong support for the anti-concurrent-causation language in its Mississippi homeowners' policies when a federal appeals court in New Orleans ruled the wording “is not ambiguous.”
The ACC clause is used to override a damage claim from a covered cause, such as wind, when an event such as flood–which is excluded in the policy language–occurs in the same time period.
In its decision in Leonard v. Nationwide Insurance Co., the 5th U.S. Circuit Court of Appeals interpreted Mississippi state law as also backing Nationwide in its arguments that insurance agents cannot orally modify the language in insurance contracts, as the plaintiffs alleged in their lawsuit.
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