This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.

In this episode you will learn:

- Proximate cause is the initial event in an unbroken chain that leads to a loss.

- Damage from subsequent events is typically covered if the proximate cause was a covered peril.

- Concurrent causation involves both a covered and an excluded peril contributing to a single loss.

- Anti-concurrent causation clauses are used by insurers to exclude losses even when a covered peril was involved.

- The windstorm-then-flood scenario is a classic exam trap testing your knowledge of these causation rules and exclusions.

For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep