SOMETHING TO KNOW: CONCURRENT CLAUSES ARE DECLARED INVALID IN THESE STATES:

California:        See, Cal. Civ. C. §2626 and 2628; Howell v. State Farm Fire and Cas. Co., 218 Cal. App.3d 1446, 267 Cal. Rptr. 708, 711 (1990).

North Dakota:  See, N.D.C.C. §§ 26.1-32-01 and 26.1-32-03; W. Nat. Mut. Ins. Co. v. Univ. of N. Dakota, 2002 ND 63, 643 N.W.2d 4, 11 (2002).

Washington:     See, Safeco Ins. Co. of Am. v. Hirschmann, 112 Wash. 2d 621, 629, 773 P.2d 413, 416-17 (1989) (court barred such clause as a matter of public policy).

West Virginia: See, Murray v. State Farm Fire and Cas. Co., 203 W. Va. 477, 509 S.E.2d 1, 15 (1998) (when an insurance carrier chooses to insure against a loss which is proximately caused by a particular peril, it may not rely on the mere concurrence of an excluded peril to deny coverage)