| State | ACC Clauses Enforced? | Authority |
|---|---|---|
| AL | Yes | State Farm Fire & Cas. Co. v. Slade, 747 So.2d 293 (Ala. 1999) |
| AK | Yes | State Farm Fire and Cas. Co. v. Bongen, 925 P.2d 1042 (Alaska 1996) |
| AZ | Yes (except fire policies) | Millar v. State Farm Fire and Cas. Co., 804 P.2d 822 (Ariz. Ct. App. 1990); but see Stankova v. Metro. Prop. and Cas. Ins. Co., 788 F.3d 1012 (9th Cir. 2015) (anti-concurrent causation clause in fire insurance policies invalid as inconsistent with standard fire insurance policy language mandated by statute) |
| CA | No | Cal. Ins. Code §§ 530, 532; Garvey v. State Farm Fire and Cas. Co., 770 P.2d 704 (Cal. 1989) (pursuant to California Insurance Code, “efficient proximate cause” doctrine applies to first-party claims) |
| CO | Yes | Kane v. Royal Ins. Co. of America, 768 P.2d 678 (Colo. 1989) |
| CT | Yes | Lombardi v. Universal N. Am. Ins. Co., No. NNHCV136036542S, 2015 Conn. Super. LEXIS 138 (Conn. Super. Ct. Jan. 21, 2015) |
| DC | Yes | Chase v. State Farm Fire & Cas. Co., 780 A.2d 1123 (D.C. 2001) |
| DE | Yes | Monzo v. Nationwide Prop. & Cas. Ins. Co., 249 A.3d 106 (Del. 2021) |
| FL | Yes | Sec. First Ins. Co. v. Czelusniak, 305 So. 3d 717 (Dist. Ct. App. 2020); see also Nahmad v. Hartford Cas. Ins. Co., 499 F. Supp. 3d 1178 (S.D. Fla. 2020) |
| GA | Yes | See generally, Covington Lodging, Inc. v. World Ins. Grp., 635 B.R. 675 (Bankr. N.D. Ga. 2021) |
| HI | Yes (except when in conflict with other policy provisions) | Assoc. of Apartment Owners of Imperial Plaza v. Fireman’s Fund Ins. Co., 939 F.Supp.2d 1059 (D. Haw. 2013) |
| ID | Yes | ABK, LLC v. Mid-Century Ins. Co., 454 P.3d 1175 (Idaho 2019) |
| IL | Yes | Bozek v. Erie Ins. Grp., 46 N.E.3d 362 (Ill. App. Ct. 2015); see also Riverwalk Seafood Grill Inc. v. Travelers Cas. Ins. Co. of Am., No. 20 C 3768, 2021 U.S. Dist. LEXIS 5899 (N.D. Ill. Jan. 7, 2021). |
| IN | Yes | Ramirez v. Amer. Family Mut. Ins. Co., 652 N.E.2d 511 (Ind. Ct. App. 1995) |
| IA | Yes | Salem United Methodist Church of Cedar Rapids v. Church Mut. Ins. Co., 2015 Iowa App. LEXIS 308 (Iowa Ct. App. April 8, 2015) |
| LA | Yes | Arctic Slope Reg. Corp. v. Affiliated FM Ins. Co., 564 F.3d 707 (5th Cir. 2009) |
| ME | Yes | Bibeau v. Concord Gen. Mut. Ins. Co., 244 A.3d 712 (Me. 2021) |
| MD | Yes | Bao v. Liberty Mut. Fire Ins. Co., 535 F.Supp.2d 532 (D.Md. 2008); Thinkfood Grp. LLC v. Travelers Prop. Cas. Co. of Am. , No. 8:20-cv-02201-PWG, 2021 U.S. Dist. LEXIS 188398 (D. Md. Sep. 30, 2021) |
| MA | Yes | Audubon Hill v. Comm. Ass’n Underwriters, 975 N.E.2d 458 (Mass. App. Ct. 2012) |
| MI | Yes | Dahlke v. Home Owners Ins. Co., 2003 Mich. App. LEXIS 3424 (Mich. Ct. App. Dec. 23, 2003) |
| MN | Yes | Ken Johnson Props., LLC v. Harleysville Worcester Summary Ins. Co., 2013 U.S. Dist. LEXIS 140530 (D.Minn. Sept. 30, 2013) |
| MS | Yes, but limited | Corban v. United Servs. Auto. Ass’n, 20 So.3d 601 (Miss. 2009) (anti-concurrent causation clause applies only when two or more causes occur simultaneously to cause loss) |
| MO | Yes | Maxus Realty Tr., Inc. v. RSUI Indemn. Co., 2008 U.S. Dist. LEXIS 39919 (W.D.Mo. May 16, 2008) |
| MT | Yes | Tafford v. Safeco Ins. Co. of Am., 306 F. Supp. 3d 1243 (D. Mont. 2018) |
| NV | Yes | Schroeder v. State Farm Fire & Cas. Co., 770 F. Supp. 558 (D. Nev. 1991) |
| NH | Yes | Amherst Cy. Club v. Harleysville Worcester Ins., 561 F.Supp.2d 138 (D. N.H. 2008) |
| NJ | Yes | Ashrit Realty, LLC v. Tower Nat’l Ins. Co., Docket No. A-1647-13T4, 2015 N.J. Unpub. LEXIS 107 (N.J. Sup. Ct. App. Div. Jan. 20, 2015) |
| NY | Yes | Kula v. State Farm Fire & Cas. Co., 628 N.Y.S.2d 988 (4th Dep’t 1995); Clarke v. Travco Ins. Co., No. 13-cv-5140 (NCR), 2015 U.S. Dist. LEXIS 104267 (S.D.N.Y. Aug. 7, 2015) |
| NC | Yes | Builders Mut. Ins. Co. v. Glascarr Props., 688 S.E.2d 508 (N.C.App. 2010) |
| ND | Yes | N.D. Cent. Code § 26.1-32-03. But see W. Nat’l Mut. Ins. Co. v. Univ. of N.D., 643 N.W.2d 4 (N.D. 2002)(refusing to enforce anti-concurrent causation language prior to statutory amendment expressly permitting parties to contract out of the efficient proximate cause doctrine) |
| OH | Yes | Hartman v. Erie Ins. Co., 2017-Ohio-668 (Ohio Ct. App. 2017) |
| OK | Yes | Duensing v. State Farm Fire & Cas. Co., 131 P.3d 127 (Okla.Civ.App. 2006) |
| PA | Yes | T.H.E. Ins. Co. v. Ch. Boyer Children’s Trust, 455 F.Supp.2d 284 (M.D. Pa. 2006) |
| SC | Yes | South Carolina Farm Bureau Mut. Ins. Co. v. Durham, 671 S.E.2d 610 (S.C. 2009) |
| SD | Yes | Swenson v. State Farm Fire and Cas. Co., 891 F.Supp.2d 1101 (D. S.D. 2012) |
| TN | Yes | Hardy and Kelly LLC v. QBE Ins. Corp., 20212 U.S. Dist. LEXIS 68256 (M.D. Tenn. May 16, 2012) |
| TX | Yes | JAW The Pointe LLC v. Lexington Ins. Co., 460 S.W.3d 597 (Tex. 2015) |
| UT | Yes | Alf v. State Farm Fire & Cas. Co., 850 P.2d 1272 (Utah 1993) |
| WA | No | Safeco Ins. Co. v. Hirschmann, 773 P.2d 413 (Wash. 1989) |
| WV | No | Murray v. State Farm Fire & Cas. Co., 509 S.E.2d 1 (W. Va. 1998) |
| WI | Yes | Atl. Mut. Ins. Cos. v. Lotz, 384 F.Supp.2d 1292 (E.D.Wis. 2005) |
Last Updated: August 6, 2024
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