You are not logged in. // Login

Problems With Your Course? Check Your FLASH Settings!

ATTENTION ALL USERS: IMPORTANT UPDATE!!  Google Chrome recently pushed a major update that has changed the way Flash settings are adjusted. For instructions on how to update your settings to allow Flash, please click HERE to watch this short screencast. Note that even if you have adjusted your Flash settings previously, you will have to do so again after moving to the latest Chrome update.

For instructions on editing the Flash settings for the other most common browsers (Internet Explorer, Microsoft Edge, Firefox, and Safari), click HERE.

(FLPA #75523) Causation Concepts for Public Adjusters- FLPA #75523(FLPA #75523) Causation Concepts for Public Adjusters- FLPA #75523

Register or Login To Enroll
Register or
Login To Enroll
Cost: $11.00 (USD)
Credits: 2
Estimated Length: 2 hour(s)
Enrollment Valid For: 3 months


Theories of causation have played a key role in the construction of first-party insurance contracts for nearly a century. Quite often, one event can lead to another event, and in some cases, both events are meant to be covered, while in other cases, one event is intended to be covered while the other is not. Today, the inability of policy drafters to create language that is both clear (for policyholders) and unambiguous (for the courts) relative to what is covered and what is not continues that controversy and, unfortunately, the industry’s inability to satisfy its primary customers (consumer and shareholder) has led to the formation of policy language that, on its face, can be taken as completely one-sided in favor of the insurer, thus leaving the policyholder out in the cold. This is where the Public Adjuster must come in to help protect those interests and effect a comprehensive investigation and analysis of loss causation.

Using references to the San Francisco Earthquake and Fire of 1906, Hurricane Katrina (2005), and other examples, this course provides Public Adjusters with an analysis of causation and how it affects coverage under traditional 1st party homeowner’s and commercial insurance policies, including the three (3) doctrines that play a role in loss determination: Proximate Cause, Concurrent Causation, Efficient Proximate Cause, and the most recent harbinger of change in the treatment of causation: The Anti-Concurrent Cause Clause.

This course has been certified by the Florida Department of Financial Services for 2 Florida Public Adjuster Law CE under Course #75523.

*Important!DON'T DUPLICATE YOUR EFFORTS by repeating a course you've already taken! Florida DFS only allows a course to be taken once in a three year period. If you think you may have taken the course before, just review your CE transcript by visiting My Profile on the Florida DFS website. Compare the course number to make sure that you haven't previously taken the course in the past 3 years. And don't focus on the course title! It's the course number that counts. If you're still not sure, call us first at (800) 820-4550. Your time is valuable. Don't waste it taking a course that will not count towards your current CE compliance period!


  1. Causation Concepts for Public Adjusters (Online Lesson)


  1. Causation Concepts for Public Adjusters
Powered by Inquisiq R4 Build 4.17.0002© 2002-2019ICS Learning Group
Desktop | Mobile