The concurrent causation exclusion in the Homeowners 3 policy specifie

The concurrent causation exclusion in the Homeowners 3 policy specifies that:

A) if two or more perils jointly cause a loss, there is no coverage if one of the perils is excluded.
B) if the insured has two or more policies in force at the time of the loss, the loss is not covered.
C) if the insured has two or more policies in force at the time of the loss, the loss is pro-rated between the insurers.
D) if two or more perils jointly cause a loss, there is coverage as long as one of the perils is covered.

ANSWER

Answer: A