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.

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