1. Broken sequence of events. If an insured peril has been preceded by excepted perils, they will be disregarded given the break in the chain of causation. If the insured peril intervenes and causes the loss it is the proximate cause. 2. Unbroken sequence of events. When the insured peril is the natural and probable consequence of an excepted peril, the excepted peril is the proximate cause. When the excepted peril is the natural and probable consequence of the insured peril the latter is the proximate cause of the loss. See CONCURRENT CAUSES.