Efficient proximate cause. Disputes often arise as to what is considered to be the efficient proximate cause of a claim. (Photo: Shutterstock)

Courts have long been split on which of two legal theories of recovery appropriately apply in cases when some causes of damage are covered under an insurance policy and others are excluded. Concurrent causation is the legal doctrine that applies when loss or damage occurs because of two or more causes, one that is covered, such as negligence on the part of a third party, and one that is excluded, such as flooding.

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