flood insurance and expressly excludes coverage for floods. The classic example of how ACC clauses work is where a hurricane hits a building with wind and flood hazards at the same time. If the evidence later shows that the wind blew off a building's roof and then water damage resulted only because there was no roof to prevent rain from entering, there would be coverage, but if the building was simultaneously flooded (i.e., because the rain caused a nearby body of water to rise or simply overwhelmed local sewers), an ACC clause would completely block coverage for the entire loss (even if the building owner could otherwise attribute damage to wind v. flood). A minority of jurisdictions have ruled ACC clauses to be unenforceable as against public policy, but they are generally enforceable in the majority of jurisdictions. See also Sine qua non (but-for causation) Four causes Causation Pretext References Further reading Michael S. Moore, The Metaphysics of Causal Intervention, 88 827 (2000). Leon A. Green, The Rationale of Proximate Cause (1927). Tort law Legal doctrines and principles