Glossary · legal
Efficient Proximate Cause
The dominant cause in a chain of causation.
When multiple events contribute to a loss, the efficient proximate cause determines coverage. Florida follows efficient proximate cause doctrine with some variations.
In practice
Where you encounter "Efficient Proximate Cause"
Policyholders see "Efficient Proximate Cause" referenced in policy language, claim correspondence, and scope documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See FS 626.854 on public adjuster representation and FS 627.70131 on carrier duties.
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Failure to disclose material information; can void coverage.
Time carrier has to correct a violation after notice.
Agreement to forgo the carrier's right to EUO.
Time after premium due date during which policy remains in force.
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Related statutes
Your representation rights.
Statutory deadlines.
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Homeowner claim bill.
Reasonable matching requirement.
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- ✓No fee unless we recover more than you were offered
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Glossary
Related insurance terms
Related glossary entry: Pre-Existing Condition.
Related glossary entry: Salvage.
Related glossary entry: Lloyd's Syndicate.
Related glossary entry: Release.
Related glossary entry: Endorsement.
Related glossary entry: Statute of Limitations.
Free claim review
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 next.
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