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Litigation and policy debates among state and federal lawmakers have exploded over anti-concurrent-causation clauses in homeowners policies that 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. Go to NU Editor In Chief Sam Friedman’s blog at www.property-casualty.com to respond to the ethical conundrums raised.

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