An anti-concurrent causation clause is a part of many insurance policies that states that the insurer doesn’t have to cover damages if a homeowner suffers two perils at once. Imagine that your home is damaged due to the effects of a hurricane. At the same time, there was significant water damage done to the property from a small flood. If you solely have insurance for wind damage and not for water damage, the insurer does not have to cover the damages at all. Keep an eye out for any anti-concurrent causation clauses in your policy.