Opinion ID: 1191630
Heading Depth: 3
Heading Rank: 1

Heading: Unaided Action

Text: In context, St. Paul used the term unaided action only to distinguish between damages caused by the wind itself and damages caused by the wind projecting some object into the insured property. 22 Ariz. App. at 560, 529 P.2d at 714. Thus, St. Paul does not hold that wind must be the sole cause of loss; rather, it defines windstorm as a wind of sufficient force to damage the insured property either by its own unaided action, or by projecting some object against it. Id. This condition is satisfied if the factfinder determines that the wind was of sufficient force to be the proximate cause of the insured's loss. See 5 J. APPLEMAN, supra § 3142, at 445; Kemp v. American Universal Insurance Co., 391 F.2d 533, 534-35 (5th Cir.1968); Lewis v. St. Paul Fire and Marine Insurance Co., 155 W. Va. 178, 184, 182 S.E.2d 44, 47 (1971); Roach-Strayhan-Holland Post No. 20 v. Continental Insurance Co., 237 La. 973, 979-80, 112 So.2d 680, 682-83 (1959).