Glossary · legal
Proximate Cause Chain
Sequence of events linking initial cause to final damage.
Florida courts analyze proximate causation for multi-peril events. If first peril in chain is covered, downstream damage often covers even if intermediate perils excluded.
In practice
Where you encounter "Proximate Cause Chain"
Policyholders see "Proximate Cause Chain" 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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Know these too
Related terms
Continuous Trigger
Coverage theory where multiple policy years share a progressive loss.
Contingent Liability
Conditional coverage based on triggering events.
Concealment
Failure to disclose material information; can void coverage.
Cure Period
Time carrier has to correct a violation after notice.
Efficient Proximate Cause
The dominant cause in a chain of causation.
Examination Under Oath Waiver
Agreement to forgo the carrier's right to EUO.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
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Glossary
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Sinkhole Activity
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O&P (O&P)
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Dry Time
Related glossary entry: Dry Time.
Efficient Proximate Cause
Related glossary entry: Efficient Proximate Cause.
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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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