Hunton Insurance Recovery Blog

On December 1, 2016, the Florida Supreme Court held that the concurrent cause doctrine applies where multiple perils combined to create a loss even where one of those perils is excluded by the terms of the all-risk property insurance policy. The decision is a significant victory for Florida policyholders, especially where other jurisdictions have struggled to apply the efficient proximate cause doctrine after natural disasters like Hurricane Katrina. For detailed analysis of the Sebo v. American Home Assurance Co., Inc. decision, see Andrea DeField’s client alert