Monthly Archives December 2016

Florida Supreme Court Adopts Concurrent-Cause Doctrine

Resolving a split among lower-level appeals courts, the Florida Supreme Court has adopted the concurrent-cause doctrine, ruling that coverage exists under an all-risk property policy when multiple perils combined to create a loss and at least one of the perils is covered by the terms of the policy. Under the facts outlined in Sebo v. American Home Assurance Co., No. SC14-897 (Fla. Dec. 1, 2016), John Sebo purchased a Naples, Florida home in April 2005, when it was four years old. American Home Assurance Company AHAC) provided homeowners insurance as of the date of the purchase. The policy, which insured
Read More