What is an Anti-Concurrent Clause with a Homeowners Insurance Policy

An Anti-concurrent clause is a common clause within a homeowners insurance policy.  Although it is common it is also commonly misused by insurance companies to compartmentalize damages into a coverage exclusion. 

Anti-concurrent clauses prohibit recovery when a covered peril and non-covered peril combine to cause damages.  For example, if your home is damaged by wind (covered) and flooding (non-covered) due to hurricane Ian, you may run into an anti-concurrent clause defense from your insurance company.  In this situation, your insurer will deny your claim regardless of the existing wind coverage.  You can get ahead of this issue by getting an attorney at the outset of your client.  Ideally before you make a recorded statement.  Public Adjusters are also helpful in classifying damages and avoiding this type of policy defense.  Be sure to read through your policy to determine whether there are any of these clauses.

If your home was damage by Hurricane Ian, call Quattrochi, Torres and Taormina for a FREE consultation.