Occurs when two or more perils cause a loss. When one of these perils was covered by an insurance contract, but the other peril was not, courts generally ruled that the entire loss would be covered, even the part of the loss attributable to the peril not covered. Many insurance policies have been reworded to clarify that only loss attributable to a covered peril will be covered.

A legal doctrine that states when a property loss is due to two causes (one that's covered and one that isn't) the policy provides coverage.

Two or more proximate causes of an insured loss any one of which, according to some courts, will trigger the insurance, provided such cause is an insured peril.