# Property & Casualty Exam Prep 6, Proximate Cause and Concurrent Causation

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-6-proximate-cause-and-concurrent-causation
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-6-proximate-cause-and-concurrent-causation.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-06-08T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/6d123408-8be3-4806-97a1-c0ebabaa91cd.mp3
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Duration seconds: 152

## Resource

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

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## Transcript

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