cause, effect, causation-5666661.jpg


StateACC Clauses Enforced?Authority
ALYesState Farm Fire & Cas. Co. v. Slade, 747 So.2d 293 (Ala. 1999)
AKYesState Farm Fire and Cas. Co. v. Bongen, 925 P.2d 1042 (Alaska 1996)
AZYes (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)
CANoCal. 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)
COYesKane v. Royal Ins. Co. of America, 768 P.2d 678 (Colo. 1989)
CTYesLombardi v. Universal N. Am. Ins. Co., No. NNHCV136036542S, 2015 Conn. Super. LEXIS 138 (Conn. Super. Ct. Jan. 21, 2015)
DCYesChase v. State Farm Fire & Cas. Co., 780 A.2d 1123 (D.C. 2001)
FLYesSec. 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)
HIYes (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)
ILYesBozek 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).
INYesRamirez v. Amer. Family Mut. Ins. Co., 652 N.E.2d 511 (Ind. Ct. App. 1995)
IAYesSalem United Methodist Church of Cedar Rapids v. Church Mut. Ins. Co., 2015
Iowa App. LEXIS 308 (Iowa Ct. App. April 8, 2015)
LAYesArctic Slope Reg. Corp. v. Affiliated FM Ins. Co., 564 F.3d 707 (5th Cir. 2009)
MDYesBao 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)
MAYesAudubon Hill v. Comm. Ass’n Underwriters, 975 N.E.2d 458 (Mass. App. Ct. 2012)
MIYesDahlke v. Home Owners Ins. Co., 2003 Mich. App. LEXIS 3424 (Mich. Ct. App. Dec. 23, 2003)
MNYesKen Johnson Props., LLC v. Harleysville Worcester Summary Ins. Co., 2013 U.S. Dist. LEXIS 140530 (D.Minn. Sept. 30, 2013)
MSYes, but limitedCorban 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)
MOYesMaxus Realty Tr., Inc. v. RSUI Indemn. Co., 2008 U.S. Dist. LEXIS 39919 (W.D.Mo. May 16, 2008)
MTYesTafford v. Safeco Ins. Co. of Am., 306 F. Supp. 3d 1243 (D. Mont. 2018)
NVYesSchroeder v. State Farm Fire & Cas. Co., 770 F. Supp. 558 (D. Nev. 1991)
NHYesAmherst Cy. Club v. Harleysville Worcester Ins., 561 F.Supp.2d 138 (D. N.H. 2008)
NJYesAshrit 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)
NYYesKula 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)
NCYesBuilders Mut. Ins. Co. v. Glascarr Props., 688 S.E.2d 508 (N.C.App. 2010)
NDYesN.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)
OHYesHartman v. Erie Ins. Co., 2017-Ohio-668 (Ohio Ct. App. 2017)
OKYesDuensing v. State Farm Fire & Cas. Co., 131 P.3d 127 (Okla.Civ.App. 2006)
PAYesT.H.E. Ins. Co. v. Ch. Boyer Children’s Trust, 455 F.Supp.2d 284 (M.D. Pa. 2006)
SCYesSouth Carolina Farm Bureau Mut. Ins. Co. v. Durham, 671 S.E.2d 610 (S.C. 2009)
SDYesSwenson v. State Farm Fire and Cas. Co., 891 F.Supp.2d 1101 (D. S.D. 2012)
TNYesHardy and Kelly LLC v. QBE Ins. Corp., 20212 U.S. Dist. LEXIS 68256 (M.D. Tenn. May 16, 2012)
TXYesJAW The Pointe LLC v. Lexington Ins. Co., 460 S.W.3d 597 (Tex. 2015)
UTYesAlf v. State Farm Fire & Cas. Co., 850 P.2d 1272 (Utah 1993)
WANoSafeco Ins. Co. v. Hirschmann, 773 P.2d 413 (Wash. 1989)
WVNoMurray v. State Farm Fire & Cas. Co., 509 S.E.2d 1 (W. Va. 1998)
WIYesAtl. Mut. Ins. Cos. v. Lotz, 384 F.Supp.2d 1292 (E.D.Wis. 2005)

Last Updated: October 21, 2021

Disclaimer: These materials are provided for informational and educational purposes only and do not constitute legal advice or legal opinions. These materials are intended, but not promised or guaranteed to be current, complete, or up-to-date. Use of these materials is not intended to create, and the receipt does not constitute, an attorney-client relationship between sender and receiver. You should not act or rely on any information contained within these materials without first seeking the advice of an attorney.