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New York to Examine Concurrent Causation for Sewer Backup Coverage

Nov. 4, 2015 AAIS Advisory notice

The office of New York's superintendent of financial services will be studying the impact of concurrent causation provisions on residential property coverage for sewer backup.

A summary of a new law in New York states that anti-concurrent causation clauses in homeowners policies prevented many insureds from collecting on losses, particularly damage to sewer lines, arising from Superstorm Sandy in October 2012.

In response, the superintendent is directed to produce a report by Jan. 1, 2017 addressing, among other things, the impact that a prohibition on anti-concurrent causation clauses in sewer backup insurance would have on the premium for and availability of the coverage.


AAIS Advisory notices are posted periodically to announce AAIS product developments, and to provide news items that are relevant to our program users. Advisory notices are news summaries that paraphrase documents which should be consulted directly for complete, authoritative information.

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