This week's question addresses faulty workmanship from a roofer and ensuing losses. (Photo: Shutterstock) This week’s question addresses faulty workmanship from a roofer and ensuing losses. (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: Anti-concurrent causation language ensures that excluded losses aren’t inadvertently covered when a covered loss occurs at the same time or in sequence with the excluded loss. However, certain subsequent losses may be an exception. These are generally exceptions for ensuing losses, losses indirectly caused by the excluded peril where an exception may be made for specific losses. For example, while various types of water losses are excluded, there is an exception for the direct loss by fire, explosion or theft that results from those excluded water losses. This week we have a similar situation.

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