Lightning strikes home and starts a fire that destroys the structure and its contents. lightning is the proximate cause.
In a given situation, the proximate cause is the primary cause of the loss.
"Proximate cause" is usually used in legal cases to describe a person, entity, or an act that has caused particular damage, injury, or loss.
In the given situation, lightning is the primary cause that started a fire in the home and destroyed its contents.
Proximate cause often leads to foreseeable consequences without the involvement of any unforeseeable or independent causes.
Another example is a speeding driver who neglects the traffic signals and the following driver follows him hitting a pedestrian.
The speeding driver is the proximate cause.
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