Consumer activist J. Robert Hunter has called on insurance commissioners to repeal the clause that permits carriers to deny claims for covered losses if uncovered events take place at the same time.
The so-called anti-concurrent causation clause is used to override a damage claim from a covered cause such as wind when an uncovered event such as flood occurs in the same time period, said the current insurance director for the Consumer Federation of America and former Texas insurance commissioner.
“Consumers cannot be expected to understand how this clause works and will always be shocked to learn that their coverage has been trumped by the occurrence of some other type of claim,” Mr. Hunter wrote.
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