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Signs of Moisture in Your Home or Other Buildings

Here in the Pacific Northwest, we get the full gamut of weather over the course of a typical year.  But our rain – including wind-driven rain – is prevalent enough that we are known for it worldwide.  As a homeowner or commercial building owner, you cannot afford to ignore the exterior maintenance work necessary to protect your preperty.

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Why Does the “EFFICIENT PROXIMATE CAUSE” Matter to your Insurance Claim?

Insurance Coverage and the “EFFICIENT PROXIMATE CAUSE”   In Washington, a judicial doctrine called the “efficient proximate cause” rule may apply and affect insurance coverage when multiple events combine to cause a loss.  The doctrine is considered “friendly” to insureds because it sometimes creates coverage for a loss caused in part by an excluded peril,…