What is the proximate cause of damage to Tracey's garden shed?

Prepare for the CII Certificate in Insurance - Insurance, Legal and Regulatory (IF1) Exam with interactive questions. Each question comes with hints and detailed explanations. Equip yourself for success!

The proximate cause of damage refers to the primary or immediate cause that set the chain of events in motion leading to the damage. In this scenario, the storm serves as the triggering event that created the conditions for damage to occur. It is the inclement weather that ultimately caused the fallen tree, which directly damaged Tracey's garden shed.

While the fallen tree is a significant event, it is ultimately a consequence of the preceding storm. The storm’s severity is the reason why the tree fell. This makes it the most direct cause of the damage as it initiated the chain of events. Other factors, such as the neighbor's neglect or Tracey's own actions, are secondary and do not directly lead to the damage without the initial impact of the storm. Thus, considering the nature of proximate cause, the storm is correctly identified as the main factor leading to the damage incurred by Tracey's garden shed.

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