Colorado Court of Appeals: anti-concurrent cause provision bars coverage where covered snow combined with uncovere

Thanks to one of my loyal readers who often points out anti-concurrent cause cases for passing along the Colorado Court of Appeals July 24 decision in Colorado Intergovernmental Risk Sharing Agency v. Northfield Ins. Co. This opinion is right on the money in its analysis of how anti-concurrent cause language works. In the case, a roof on a building containing a pool collapsed from the weight of snow, but the timbers supporting the roof were rotted from humidity and chemicals from the pool (this kind of rotting due to pools happens more often than you would think). The way the case came to trial was this: CIRSA (I hate acronyms as much as the next English major/former journalist, but in this case the name is a real mouthful, so I'll compromise my standards a bit) had the primary lev