Anti-Concurrent Cause (ACC)
Categories: Insurance
No, this term does not refer to the worse-than-ever hangover that you got from drinking wine and beer simultaneously. But it does kind of refer to the stain that you can’t get off the rug because it’s a mixture of the two. (Okay, that was gross. We apologize for that one...oh, wait...actually, we're going to keep going with it...Okay, here we go...) Meanwhile, the arrogant carpet cleaner you randomly found on Yelp will offer a guarantee of wine removal, but not beer removal IF the wine and beer are combined.
Welcome to the world of insurance terms! (Via alcoholic incontinence!)
Here's the definition of anti-concurrent cause (fittingly abbreviated as ACC): ACC’s apply to situations where damage to property has been caused by an avalanche of factors, some of which your insurance policy covers....and some of which are outside the scope of the coverage. As helpfully pointed out by IRMI, this clause kicks in when one crappy event causes one or a whole bunch of other events that lead to a loss in general. Or, it could apply to a bunch of crappy stuff that happens all at the same time. When one of these craptastic events is excluded by your policy, you’re probably not covered. Sucks, right? (Growl...)
This comes up fairly often after hurricanes. Most standard homeowners policies exclude hurricane damage. However, most cover flood damage. If a person doesn't have additional hurricane coverage, there can be a lot of wrangling post-hurricane whether specific damage was done by wind/rain or by flooding (which in itself was caused by wind/rain, but whatever...)
