Reacting to negative policyholder claims experience in the aftermath of Superstorm Sandy, on June 24, 2013 New York's Assembly passed a series of bills designed to strengthen policyholders' rights against their insurers. Most importantly, Assembly Bill 7455A would amend New York's Insurance Law by prohibiting insurers from using "anti-concurrent causation" clauses in first party policies to nullify coverage for flood claims. Such anti-concurrent causation clauses often bar coverage altogether when a loss results from both covered and excluded causes of loss (such as wind and flood). The bill would prohibit insurers from denying coverage based on an exclusion (such as a flood exclusion) when a covered cause of loss (such as wind) is a contributing factor. Senate action on the legislation is awaited.