SDV Insights

Fla.Policyholders Gain Slight Edge In Property Damage Cases

In breaking news yesterday, posted “the Florida Supreme Court ruled that policyholders may obtain coverage for an entire property insurance claim where there are multiple concurrent causes of loss and at least one is covered under a policy, agreeing with a decades-old precedential appellate decision.”

Today, LAW360 gave a detailed analysis of the decision, and asked Gregory Podolak for his input…

Greg Podolak, managing partner of Saxe Doernberger & Vita PC’s Southeast office, said the opinion provides concrete guidance to Florida policyholders and insurers by definitively establishing that “whether the concurrent causation or efficient proximate cause doctrines apply depends on the fact pattern.”

 “Where multiple independent perils come together to cause damage, the concurrent causation doctrine applies,” Podolak said. “In this case, significantly, the damage would not have occurred but for the presence of both the covered and excluded causes of loss.”

Click here to read the entire story.  You will need a subscription to Law360 in order to read this article.


The email you are sending does not create an attorney-client relationship with SDV. We do not agree to representation until we have performed a check for conflicts of interest and expressly agree to provide services in a particular matter via an engagement letter. The information submitted to us via this website will NOT be treated as confidential or privileged as a lawyer/client communication and our receipt of this information does not prevent us from representing a client related to the subject of your inquiry.


35 Nutmeg Drive, Ste 140
Trumbull, CT 06611


136 Madison Avenue, 6th Fl.
New York, NY 10016


233 Mount Airy Road
Basking Ridge, NJ 07920



999 Vanderbilt Beach Road, Ste 603
Naples, FL 34108


West Coast

One BetterWorld Circle, Ste 300
Temecula, CA 92590


SDV is headquartered in Connecticut, with regional offices located in New York, New Jersey, Florida, and California to better serve our clients nationwide. We have the experience and insight to effectively address your insurance coverage concerns and provide practical solutions to any risk transfer challenges you face.