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
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