Your claim was denied for Concurrent Causation. Here is what that means.
Multiple causes contributed; carrier selects the excluded one as proximate.
Your claim was denied for this reason.
Denial is not the final word on your claim. Many denials are overturned with proper documentation and legal grounding.
Multiple causes contributed; carrier selects the excluded one as proximate.
Legitimate scenarios
When this denial holds up
When the excluded peril truly was the dominant proximate cause.
Contest these
When this denial is improper
When a covered peril initiated or substantially contributed.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Build your case
Counter-evidence to assemble
Evidence list
- ✓Engineering causation report
- ✓Sequence of events
- ✓Weather data
- ✓Expert peril-analysis letter
Action
Next steps
- 01
Request the specific denial reason in writing
Ask for policy language and factual basis. Vague denials are unsustainable.
- 02
Gather counter-evidence
Each item on the checklist above strengthens your position.
- 03
Submit supplemental documentation
Send to the claim file. Request review. Timeline clock restarts.
- 04
Escalate if needed
Public adjuster, Florida DFS complaint, mediation under FS 627.7015, or litigation.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
No obligation. No fee unless recovery.
Denied for "Concurrent Causation"? Free review from a licensed Florida public adjuster.
Many denials are overturned with proper representation.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
Other common denial reasons
Rainwater Through Vent Exclusion
Another common reason a Florida property claim is denied.
No Proof of Mitigation
Another common reason a Florida property claim is denied.
Frontline Scope Reduction
Another common reason a Florida property claim is denied.
Scottsdale Delayed Response Pattern
Another common reason a Florida property claim is denied.
Liberty Mutual Delayed Response Pattern
Another common reason a Florida property claim is denied.
Carrier Pressures for Recorded Statement
Another common reason a Florida property claim is denied.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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