Claims & Insurance
Proximate cause
The event the law treats as the direct cause of the damage, even when other conditions contributed. Carriers use it to decide coverage, so document the chain from the storm or event to the damage rather than only the damage itself.
Full guide: roof claim denied supplement appeal guide
Common questions
What does "Proximate cause" mean in Xactimate estimating?
The event the law treats as the direct cause of the damage, even when other conditions contributed. Carriers use it to decide coverage, so document the chain from the storm or event to the damage rather than only the damage itself.
Where does "Proximate cause" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow, see the full guide for where it fits.
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