Proximate cause

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 3, 2018

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Insurance Question from Huntsville, AL

Asked on 10/03/2018

Proximate cause I have further questions on my example: There is water damage in my home due to burst pipe. The cause of burst is wear and tear which is an excluded peril of my property insurance. I would like to know whether the water damage to the wooden floor of my home is cover under my property insurance or not.Question:1. What is the proximate cause of the wooden floor damage? (I think that the proximate cause is wear and tear. It is because wear & tear -> pipe bursting->flooding -> floor damage.Is it correct?)2. If the proximate cause of floor damage is “wear & tear”, why the household policy will cover the repair cost of the floor damage?Thanks

Answer given on October 06, 2018

why would you NOT want the insurance company to pay for the repairs?


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