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What are 'Acts of God' clauses in insurance policies?

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[h=1]What are 'Acts of God' clauses in insurance policies?[/h]

Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has been a trend toward the removal of the “acts of God” exclusion clause in many homeowners’ insurance policies, at least with respect to some such events. In any case, it is essential when purchasing any homeowner’s insurance policy that you educate yourself regarding the damages caused by “acts of God” that your policy will – or will not – cover, as well as whether you need to purchase additional insurance coverage

What are 'Acts of God' clauses in insurance policies? | Real Estate Legal Resources

In the comedy film The Man Who Sued God, a fisherman played by Billy Connolly successfully challenges the right of insurance companies to refuse payment for a destroyed boat on the common legal exemption clause of an Act of God. In a suit against the world's religious institutions as God's representatives on Earth, the religious institutions face the dilemma of either having to state God does not exist to uphold the legal principle, or being held liable for damages caused by Acts of God.
Similarly, in an Indian film, Oh my god, the protagonist Kanji Mehta files a lawsuit against God when his shop is destroyed in an earthquake and the insurance company refuses to take his claim, stating that "Act of God" is not covered under his insurance policy


Lawsuits against God - Wikipedia, the free encyclopedia
 
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