BRUYN v. THE SUPERIOR COURT
Insurance Code Sec. 530 and the "efficient proximate cause" doctrine that it codifies do not require homeowners' insurer, under policy covering losses to the dwelling and personal property caused by a sudden and accidental discharge of water from any plumbing or household appliance but excluding losses from mold, to cover mold damage resulting from a covered sudden and accidental discharge of water where the policy language plainly and precisely communicated that the mold exclusion would take precedence.
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