Explore 15 court opinions on Efficient Proximate Cause Doctrine. AI-powered plain English summaries, key holdings, and legal analysis.
15 recent cases analyzed in this topic area.
Ninth Circuit: Fire policy exclusion for earth movement bars landslide claim
County of San Bernardino v. Insurance Company of the State of Pennsylvania, decided by Ninth Circuit on April 23, 2026, resulted in a defendant win outcome. The Ninth Circuit affirmed the district cou...
Water damage exclusion in insurance policy upheld
Garcia-Navarro v. Universal Insurance Company, decided by First Circuit on April 10, 2026, resulted in a defendant win outcome. The core dispute centered on whether Universal Insurance Company's denia...
Appellate Court Rules Mold Exclusion Ambiguous, Reverses Insurer's Win
SafePoint Insurance Company v. Riley Ellison, Jr., decided by Florida District Court of Appeal on March 25, 2026, resulted in a mixed outcome. The core dispute centered on whether SafePoint Insurance ...
RLI Insurance Co. Wins Breach of Contract Case Against City of Riverside
City of Riverside v. RLI Insurance Co., decided by California Court of Appeal on March 20, 2026, resulted in a defendant win outcome. The City of Riverside sued RLI Insurance Company for breach of con...
Florida appeals court upholds mold exclusion in insurance policy
Mario Izquierdo v. Universal Insurance Company of North America, decided by Florida District Court of Appeal on March 4, 2026, resulted in a defendant win outcome. The appellate court reviewed a trial...
Appellate Court Affirms Insurer's Denial of Water Damage Claim
Pedro Binaggia v. American Platinum Property and Casualty Insurance Company, decided by Florida District Court of Appeal on February 12, 2026, resulted in a defendant win outcome. The core dispute cen...
Wind damage claim upheld: TWIA policy covers wind as efficient proximate cause
Stephen Pruski v. Texas Windstorm Insurance Association, decided by Texas Court of Appeals on January 27, 2026, resulted in a plaintiff win outcome. The plaintiff, Stephen Pruski, sued the Texas Winds...
Faulty Workmanship Exclusion Bars Coverage for Defective Roofing Installation
Santo Guerrera v. Untd Fin Cslty, decided by Fifth Circuit on December 15, 2025, resulted in a defendant win outcome. The Fifth Circuit affirmed the district court's grant of summary judgment to Unite...
HOA denied mold coverage; court finds no bad faith, affirms contract damages
People v. U.S. Fire Ins. Co., decided by California Court of Appeal on October 17, 2025, resulted in a mixed outcome. The plaintiff, a homeowners association, sued the defendant insurer for breach of ...
Insurer Wins: "Named Perils" Policy Excludes Sewer Backup Damage as "Flood"
Ohio Security Insurance Company v. Best Inn Midwest, LLC, decided by Seventh Circuit on July 25, 2025, resulted in a defendant win outcome. The Seventh Circuit affirmed the district court's grant of s...
Insurance coverage denied for storm damage due to excluded perils
Wing Inflatables v. Certain Underwriters at Lloyd's, decided by California Court of Appeal on July 21, 2025, resulted in a defendant win outcome. The plaintiff, Wing Inflatables, sought coverage under...
Eighth Circuit: COVID-19 business interruption claims not covered due to virus exclusion
BCC Partners, LLC v. Travelers Property Casualty Co. of America, decided by Eighth Circuit on June 9, 2025, resulted in a defendant win outcome. BCC Partners sued Travelers for breach of contract and ...
Water damage exclusion in insurance policy upheld
Ahlgren v. Stonegate Insurance Co., Inc., decided by Illinois Appellate Court on April 8, 2025, resulted in a defendant win outcome. The plaintiff, Ahlgren, sued Stonegate Insurance Co. for breach of ...
Windstorm damage to grain bins covered despite pre-existing wear and tear.
Heartland Co-Op v. Nationwide Agribusiness Insurance Company, decided by Iowa Supreme Court on March 21, 2025, resulted in a plaintiff win outcome. The core dispute centered on whether Nationwide's "f...
Ninth Circuit Affirms Farmers Insurance Denial of Water Damage Claim
Farmers Direct Property and Casualty Insurance Company v. Montez, decided by Ninth Circuit on March 6, 2025, resulted in a defendant win outcome. The Ninth Circuit reviewed the district court's grant ...