Insurers have been winning some key court battles in defense of controversial “anti-concurrent causation” language in homeowners policies–a provision that relieves carriers from paying wind-related claims when uncovered flood damage is also present. But the question is whether they will ultimately win the broader political war over their standard operating procedure on wind versus water losses.

Insurers hailed a recent unanimous decision by a panel of the 5th U.S. Circuit Court of Appeals, denying a homeowner’s claim that the ACC provision is ambiguous and that the disputed wind-water claim should be paid.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.