DEFINITIONInevitable, unpredictable, and unreasonably severe event caused by natural forces without any human interference, and over which an insured party has no control, such as an earthquake, flood, hurricane, lightning, snowstorm. Acts of God are insurable accidents and valid excuse s for non performance of a contract. It is also called act of nature.
EARTHQUAKEAn earthquake is a sudden, rapid shaking of the Earth caused by the release of energy stored in rocks
FLOODAn overflowing of a large amount of water beyond its normal confines, especially over what is normally dry land.
HURRICANEA hurricane is a tropical storm with winds that have reached a constant speed of 74 miles per hour or more.
LIGHTNINGA discharge of atmospheric electricity, accompanied by a vivid flash of light, commonly from one cloud to another, sometimes from a cloud to the earth.
SNOWSTROM A storm with widespread snowfall accompanied by strong winds
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCEInsurance POLICIES? contracts often exclude acts of God from the list of insurable occurrences as a means to waive their obligations for damage caused by the onset of permanent illness, lightning, hurricanes, floods or earthquakes; all examples of acts of God.
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCE"Circumstances POLICIES? which no human foresight can provide against, and of which human prudence is not bound to recognize the possibility, and which when they do occur, therefore, are calamities that do not involve the obligation of paying for the consequences that may result from them."
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCE POLICIES?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.
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCEIn POLICIES? 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 INSURANCEMany damages toPOLICIES? homes are caused by acts ofnature, such as highwinds, tornadoes, hail,storms, and ice, whichmay or may not beclassified as “acts ofGod”, depending on theterms of yourhomeowner’s insurancepolicy. If your homesuffers damages as aresult of an “act ofGod”, you shouldimmediately contactyour homeowner’sinsurance company inorder to determinewhether the damageswill be covered.
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCE POLICIES? There are some specific types of damages that your homeowner’s insurance policy might not cover, even if they result from an “act of God” for which your policy generally provides coverage. For instance, if there is a major ice storm that causes damage to your roof, your homeowner’s insurance policy is likely to provide you with coverage for the damages to your roof.
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCE However, there POLICIES? are some property damages that you also may have suffered as a result of the ice storm that your homeowner’s insurance policy may not cover. For instance, some homeowner’s insurance policies will not provide coverage for the costs of spoiled food resulting from an extended power outage caused by an ice storm, while other homeowner’s policies will cover such costs. Therefore, you must read your homeowner’s insurance policy carefully, and be aware of such exclusions in coverage.
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCE POLICIES?Furthermore, common “acts of God”, such as flooding and earthquake damage, are generally still excluded from coverage by most homeowner’s insurance policies. Your only option for coverage for damages caused by these “acts of God” is to purchase an add-on policy, called a “rider”, that provides you with additional coverage in the event that your home receives damages from an excluded “act of God”. Particularly if you live in a flood-prone area, you must assess the likelihood and/or risk of damages that might occur to your home as a result of flooding with the costs of maintaining additional flood insurance coverage. .......cont.........................
WHAT ARE ACTS OF GOD CLAUSES IN INSURANCEIf your POLICIES? home, or homes in your area, have sustained flood damages in the past, it is likely to be worth the costs of purchasing a flood insurance rider. If you live in a high-risk area in terms of flooding, you may be able to purchase flood insurance policy.
A COMMON MYTH......"There are people who believe that every happening in the world is dictated by the Supreme Being and that therefore what is, is, and could not ever have been otherwise. There are sects so imbued with this concept ... that their members refuse even to summon a doctor when ill."