Sunbreaker Condominium Ass'n v. Travelers Insurance

In this case, wind-driven rain penetrated the southern wall of a condominium building, causing dry rot. The owner, Sunbreaker Condominium Association, sued its insurer, The Travelers Insurance Company. Sun-breaker contends that its all-risk insurance policy covers loss from wind-driven rain. Relying on the efficient proximate cause rule, Sunbreaker argues that the insurer is liable despite the policy’s dry rot exclusion. The Travelers contends that the policy characterizes dry rot and rain as a single, excluded peril. The trial court entered sum mary judgment for Sunbreaker. We agree with the…