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We are a carrier-subscriber with a question involving concurrent causation and proximate cause issues.  Our area has experienced highly unusual weather patterns resulting in record snowfall combined with extended low temperatures.  We have received several claims involving frost-heaving, where masonry driveways, porches, etc. have been severely up-lifted.  Open peril manuscript policies, very similar to ISO policies; apply.  While we understand that freezing, thawing, pressure, etc. to patios, foundations, etc. are not covered, the up-lifted slabs are causing structural damage to posts, beams, garage door trim, stucco, etc.  The question is: Is ensuing damage to non-excluded structural components covered as “freezing”, or is all damage excluded since the proximate cause is likely frozen ground water which has expanded the soil; and, would ground water/earth movement exclusions apply?  (The policy also has standard exclusions, including: “Settling, cracking, shrinking, bulging, or expansion of pavements, patios, foundations, walls, floors, roof or ceilings”) 

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