Principle of Proximate Cause.

[Mataracy]

For a claim to succeed in property and pecuniary insurance policies there must be a direct relationship between cause and effect if which the cause must be proximate in efficiency though not necessarily in point of time. Where there is no cause, there will be no effect.

Proximate Cause can be described as the active ,efficient cause that sets in motion a train of events which brings about a result ,without the intervention of any force started and working actively from a new and independent source.
From the definition, it could be seen that proximate cause is not the first cause nor the last cause, but the dominant or efficient or operative cause.
The following are examples if proximate cause.
(1) Fire destroyed property in a yard and weakened a surrounding wall which remained standing. There was a destructive wind that blew down the wall next day.The proximate cause of the damage was deemed to be the wind and the fire was remote because it was neither dominant nor effective and the claim failed.
(2) Undamaged stock were removed from a burning building to prevent them from been damaged to an open yard and was destroyed by heavy rain before they could be packed to a safe place.
(3) Property blown off in order to prevent fire from spreading is proximately caused by fire..

 

[Mika]

I think insurance coverage and insurance terms are clearly written in black and white and signed by both the insured person and the insurance company. As long as the loss is covered, it does not matter whether fire damaged the walls or wind damaged the walls. If your policy covers natural causes, ou will certainly be paid off.