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The course, “Multiple Causes of Loss,” is designed to familiarize adjusters and litigators with the challenges of dealing with property insurance losses where both covered and excluded causes of loss come together to result in loss. The module is presented by Richard Gable, an attorney who practices in the area of insurance coverage and property insurance litigation.
In this two-hour course, the instructor begins by explaining the “proximate cause ” and the “concurrent causation” doctrines adopted by the courts when confronted with multiple causes of loss problems. Mr. Gable then reviews policy language, known as the anti-concurrent causation clause, that is aimed at reducing uncertainty when dealing with multiple causes of loss. Mr. Gable discusses policy provisions, known as ensuing loss provisions, that are designed to clarify and extend coverage to losses that might otherwise seem to be excluded. The instructor reviews court opinions and fact patterns that demonstrate the law on these issues.
After completing the course, the attendee will be able to describe what is required to trigger a multiple causation problem; describe the concepts of proximate cause and concurrent cause and how they are applied by the courts; analyze fact patterns and provide theories as to how courts in different jurisdictions would resolve concurrent cause problems in the absence of anti- concurrent causation language; explain the purpose of anti-concurrent causation language; predict how courts will enforce anti-concurrent causation clauses; discuss the majority and minority opinions concerning anti-concurrent causation clauses; described the two types of ensuing loss provisions and their purposes; explain the narrow and broad interpretation approaches adopted by courts; and identify facts patterns where ensuing loss coverage can become broadly or narrowly interpreted.
The course is designed for practitioners and insurance professionals working in the area of coverage analysis and litigation. Professionals in the property coverage arena will find this module extremely beneficial.
What CE Credit is available?
Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.
State:
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Adjuster General CE Hours:
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Adjuster Ethics CE Hours:
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Attorney General CLE Hours:
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State's Course ID:
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NH | 2.0 | 482684 | ||
TX (classroom equivalent) | 1.0 | 99817 | ||
NC | 2.0 | C95453 | ||
FL * ( Provider Number: 364169 ) | 2.0 | 1197156 | ||
IL | 2.0 | 528127 | ||
WY | 2.0 | 27801 | ||
OK | 2.0 | 1028291 |
* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.
Course Content
At 87% you qualify for TX/NH credit or a PLRB/CPCU certificate. For the other states offered, you must complete a final exam. Submit within 5 days to get CE Credit or Certificate of Completion.