When disaster strikes it seems to happen all at once. Electric lines spark, windows shatter, roofs tear off, sump pumps stop and the lights go out. Homeowners see it this way. Insurance companies -- and often the courts -- see it differently. Major disasters such as hurricanes create huge losses for property-casualty insurers, which don't want to pay out any more than necessary. Private insurers have already abandoned the flood insurance market, passing that responsibility on to the government's Federal Emergency Management Agency (FEMA). And, very quietly, insurers have been inserting a tongue twister called an anti-concurrent causation (ACC) clause into their homeowners' policies. The ACC "allows insurance companies to skirt around disaster coverage," says Jacqueline Young in the Hastings Law Journal.