Glossary · legal
Proximate Cause
The dominant cause of a loss in a chain of causation.
When multiple perils contribute to a loss, Florida uses an efficient-proximate-cause analysis to determine coverage. The first peril in the chain may drive the coverage outcome.
In practice
Where you encounter "Proximate Cause" in Florida claims
Policyholders see "Proximate Cause" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Related terms
Assignment of Benefits
A signed document transferring your claim rights to a contractor.
Subrogation
Your carrier recovering from the at-fault party after paying your claim.
Florida Statute 626.854
Defines and licenses public adjusters in Florida.
Florida Statute 627.70131
Sets carrier duties and deadlines.
Florida Statute 627.70132
Sets the notice-of-claim deadlines.
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Glossary
Related insurance terms
Co-Insured
Related glossary entry: Co-Insured.
Agreed Value
Related glossary entry: Agreed Value.
Make Whole Doctrine
Related glossary entry: Make Whole Doctrine.
Hold Harmless Agreement
Related glossary entry: Hold Harmless Agreement.
Agreed Scope
Related glossary entry: Agreed Scope.
Coverage B
Related glossary entry: Coverage B.
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- ✓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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