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What is Act of God in Insurance?

What is act of God in Insurance?

What is act of God in Insurance?

An Act of God in Insurance terms is something that has caused damage to a property which could not have been prevented. It is an act of nature that had no human influence.

Act of God is often used to describe all natural disasters or events that result in damage to a home or the property of a business. In Insurance policies however, it is important to note that not every ‘act of God’ incident is covered by the policy.

What is considered an act of God?

Events that occur which couldn’t have been foreseen. The criterion for such event is:

  • A direct result of natural causes.
  • Could not have been realistically prevented by human intervention.
  • No blame can be given to a person.

Examples of acts of God

As mentioned, Acts of God are generally considered rare acts of nature, and can include:

  • Storms
  • Lightning
  • Falling trees
  • Hurricanes
  • Tornados
  • Floods
  • Earthquakes
  • Hail showers
  • Volcanic eruption

What is not considered an act of God?

If damage in your home could have been prevented, or was caused by a person’s actions, then it will not be considered an act of God. For example, if a pipe bursts in your home due to a lack of maintenance resulting in the pipe being in poor condition, and you suffer water damage, this will not be considered an Act of God.

Do insurance policies cover acts of God?

Nowadays, the term ‘Act of God’ is not used as often as it used to be in Insurance policies. However, this doesn’t mean that your policy will not cover damage caused by acts of God. Your policy will likely reference the specific Act of God that your insurance company will cover, such as lightning or falling trees. You should also check to see if any events that fall under Acts of God are listed as exclusions.

If a loss occurred from one of the events covered in the policy, then your insurance company will pay out in accordance with the terms and conditions listed.

It is worth noting that for some of these events, there will be a list of criteria in the policy of what defines particular acts of God. For example, often people will have their storm claim declined due to the fact the winds didn’t reach the required speed stated in the policy to define it as a storm.

Fallen tree causing storm damage. Act of god insurance
Falling trees are usually considered an act of God and may be covered by your Insurance.

What should you do if an act of God causes damage to your home?

If you suffer a loss or damage to your home caused by an Act of God, it is likely you will be able to claim for it. Making an insurance claim can be very difficult and time consuming and will put you and your family in a lot of stress. Oakleafe Claims professional Loss Assessors can take all of this away by managing every aspect of the claim for you. As a multi-award-winning Insurance Claims management company, we know exactly what it takes to get you and your home on track and will fight your corner to get you the settlement you deserve.

Contact us today for your insurance claim needs.

Related Claims and Topics
Act of god,earthquake,falling tree,floods,Insurance Claims,lightning,Loss Assessor,storm damage
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