For those homeowners in Queens who lost their house due to both a flood surge via Hurricane Sandy and a fire, this argument might be of great concern to them. This article might "may help many understand the issues related to the anticoncurrent clause in cases involving storm surge"

http://www.propertyinsurancecoveragelaw.com/2010/04/articles/court-opinion/anticoncurrent-causation-clause-explained-in-relation-to-hurricane-losses/

This is an article written about it in the NY Times: http://www.nytimes.com/2006/08/04/business/04insure.html?pagewanted=all

This article is helpful as well: http://www.riskvue.com/articles/fs/fs0705b.htm 

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Thanks, and awesome meeting this AM at the CRT, VERY informative, you all are doing GREAT work

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