AZ SB1413

Adds section 20-1510 to Arizona Revised Statutes governing property insurance coverage determinations based on proximate cause of loss.

Establishes that if the proximate cause of a property loss is a covered peril under an insurance policy, all resulting damages are covered even if an excluded peril also contributed to the loss.

Applies the proximate cause doctrine to prioritize the primary cause of loss over any secondary excluded perils in determining insurance coverage eligibility.