What does 'concurrent causation' refer to in the context of insurance claims?

'Concurrent causation' in the context of insurance claims refers to multiple causes that contribute to a loss occurring at the same time. This concept is significant because it acknowledges that in complex scenarios, a loss may not stem from a single source but rather from several factors happening simultaneously. For example, a natural disaster followed by a manmade event can lead to damages that the policyholder seeks to claim. Understanding concurrent causation is crucial for assessing claims, as it helps adjusters recognize how various events can interplay and ultimately lead to a loss, which can affect coverage limits and liability considerations in the claim process. This understanding helps ensure equitable treatment of claims where multiple causes are identified.