Act of God insurance claims: How to define such claims?

by Quenlin » Mon Dec 24, 2007 12:30 am
Posts: 192
Joined: 13 Dec 2007

I've heard that certain kinds of insurance can be nullified by things called an Act of God. Now I doubt that it means that the Almighty himself decides to come down to Earth so that he can make an example out of you, so what does it mean in a legal sense?

Also, what Acts of God are usually covered by insurance?

Total Comments: 50

Posted: Wed Oct 07, 2015 09:20 pm Post Subject: Act of God vs. Natural Disaster definition by Insurance Co?

So far, this discussion has centered on Insurance Companies defining an "Act of God", where physical property and/or people sustain damage directly caused by a force of Nature that could not be anticipated nor adequately protected against.

How is a "Natural Disaster" legally defined by Insurance Companies? How does a "Natural Disaster" differ from an "Act of God"? It seems that a "Natural Disaster" could be caused by Human error and/or an "Act of God" - ie a ruptured Gas Main that explodes and damages Windows on a residential House...

I thought only the elected Governor of a US State or protectorate (Ie Puerto Rico) has the legal authority to declare an "Act of God" as a "Natural Disaster"...

Posted: Wed Dec 09, 2015 03:23 pm Post Subject:

An "Act of God" is a loss the insurance company cannot deny under any other definition.

Posted: Thu Jul 28, 2016 10:20 am Post Subject: act of god

it's unreal not only do you have a disaster to take care of than you have your insurance company tell you this is an act of god what do we pay insurance for years for? we had a wind storm come through Canton Ohio it destroyed the yard, a tree was lifted out of the ground, so we call the insurance they come out and take a minute to look than say I can find you some one to clean it up, we wait 2 days than a call back to tell us some one will be out tomorrow to clean it up, we respond by saying are you paying for it and he says no so we tell him don't have any one come out we will handle it, do insurance company's work with tree removal company's and get kick backs off of this?

Posted: Thu Jul 28, 2016 12:52 pm Post Subject:

we respond by saying are you paying for it and he says no so we tell him don't have any one come out we will handle it, do insurance company's work with tree removal company's and get kick backs off of this?



First, you are responding to a thread started 9 years ago and has been dead for almost a year.

_Why_ is your insurance company not paying for it? If there was no coverage they would have needed to send you a written denial. Perhaps there was coverage and the loss was under the deductible that you chose.

A "kick back" makes no sense in this situation as 1) no company ever came out and 2) if there is no payment by the insurance company why would they get any money from a kick back? Not that it happens anyway. The accusation itself makes no sense.

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