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Anti-Concurrent Causation

📚 Basics

Tricky policy language that can deny a whole loss if an excluded peril (like flood) teamed up with a covered one (like wind).

🎓 Agent note This clause is why wind-vs-water fights get ugly after hurricanes. If flood contributed at all, ACC wording can knock out the wind portion too.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

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