What must occur for an insurer to pay a loss under concurrent causation?

For an insurer to pay a loss under the principle of concurrent causation, it is essential that the losses must be covered under one of the perils specified in the insurance policy. This principle applies when two or more perils cause a loss simultaneously, and as long as at least one of those perils is included in the coverage, the insurer can provide compensation for the loss.

In the context of concurrent causation, if multiple causes contribute to a loss, insurance policies typically operate under the stipulation that coverage must be present for at least one of those causes. This ensures that policyholders are protected for losses that occur due to overlapping risks, aligning with the intent of insurance to mitigate financial hardship arising from unforeseen events.

While other options may touch on related aspects of insurance coverage or exclusions, they do not directly address the requirement of coverage under one of the specified perils, which is critical for the insurer's obligation to pay a claim in scenarios involving concurrent causation.