Relates to anti-concurrent causation clauses

Summary

The bill adds a new anti‑concurrent causation rule to New York’s insurance law. Insurers may not deny a claim for a covered peril just because a flood, which is not covered, also occurred, though they are not required to pay for flood‑only damage. It also forces insurers to clearly explain any policy language that limits coverage based on an excluded peril’s role in causing the loss.

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