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Litigation and policy debates among state and federal lawmakers have exploded over the controversial anti-concurrent-causation clauses in homeowners policies–which deny coverage for most, if not all windstorm losses when excluded flood-related damage is also involved. Consumer advocates call the clause confusing at best, and at worst a trap door to deny insureds their legitimate coverage. Click on to see some of the ethical questions we raise for readers, and feel free to respond–either directly to this blog, or to our ethics columnist.

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