Question (82)

In general, the "concurrent causation" exclusions found in Coverage A: Dwelling of a HO-3 policy are designed to eliminate coverage if: a loss is caused by two perils at the same time, one covered and the other excluded by the policy the cause of loss cannot be identified the insured is unable to prove that a loss was caused by a peril named in the policy Othere is a dispute between the insured and the insurer over the cause of the loss