On Wednesday, September 2, 2015, the Supreme Court of Florida heard oral arguments in the case of Sebo v. American Home Assurance Company. The issue raised in Sebo is whether the Supreme Court should abolish the long-standing “concurrent cause doctrine” in all first party property insurance matters. The concurrent cause doctrine holds that when a property loss can be attributed to multiple independent causes, one or more of which is covered and one or more of which is excluded, the loss will be covered.  The Supreme Court was considering the issue in Sebo because a lower appellate court rejected this well established doctrine in favor of a pro-insurer “efficient proximate cause doctrine.”  The efficient proximate cause doctrine focuses instead on which peril was the most substantial or responsible factor in the loss and to exclude the loss if the most substantial factor falls within an exclusion.


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