In Villella v. Public Employees Mutual Insurance Co., 106 Wn.2d 806, 815, 725 P.2d 957 (1986), two different events were arguably proximate causes of damage to a house's foundation: (1) builder negligence in failing to install a proper drainage system (a peril covered under the homeowners insurance policy); (2) "earth movement" (a peril excluded from coverage). 106 Wn.2d at 809. The Court held that "where an insured risk itself sets into operation a chain of causation in which the last step may have been an excepted risk, the excepted risk will not defeat recovery." 106 Wn.2d at 815.