What results when there is an unbroken chain of events between an occurrence and a loss?

The concept of proximate cause refers to the primary and direct cause of an event that leads to a loss or damage. When there is an unbroken chain of events linking an occurrence to a specific loss, it indicates that the occurrence was the primary factor directly responsible for that loss. In insurance and adjusting contexts, establishing proximate cause is essential because it helps determine liability and how claims should be handled.

In contrast, other terms like remote cause or indirect cause refer to factors that may have contributed to the loss but do not serve as the main or direct reason for it. Immediate cause, while somewhat similar, usually emphasizes the last event before the loss occurs, rather than the overall unbroken chain of events that led to the loss. Understanding proximate cause is crucial for public adjusters when assessing claims to ensure they identify the correct reasons for losses, align with policy coverage, and provide accurate settlements.