More misunderstandings of anti-concurrent cause language

This story from National Underwriter about the Fifth Circuit's Leonard v. Nationwide decision has some interesting quotes from Brian Martin, policy director for Rep. Gene Taylor, D-Miss., and because when Martin speaks on insurance matters it announces the start of the Silly Season, this stuff is in serious need of an industrial-strength Fisking. I will get to that by and by, but first I need to correct some misunderstandings in one of first paragraphs of the story. Here is the paragraph: The anti-concurrent causation clause is used to override a damage claim from a covered cause such as wind when an event such as flood, which is excluded in the policy language, occurs in the same time period. A couple things (those of you who have heard all this before can skip down to the Fisking):I.