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Florida Supreme Court rejects shift in insurance claims law

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The Florida Supreme Court has overturned a lower-court ruling that would have made it harder for policyholders to collect on insurance policies when there is more than one cause for their losses. At issue in Sebo v. American Home Assurance Co. was competing doctrines for resolving claims under all-risk policies in those circumstances. Under the so-called “efficient proximate cause” theory, if the first cause of any damage — say, construction defects — isn’t explicitly covered, nothing else is. Under the…

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