insurance
Act of God
Definition: A natural disaster or event that is unpreventable and not caused by human action.
An "act of God" is a legal and insurance term referring to natural events that are beyond human control and couldn't reasonably be prevented.
Examples of Acts of God:
- Hurricanes and tornadoes
- Earthquakes
- Lightning strikes
- Floods
- Wildfires
- Volcanic eruptions
- Tsunamis
- Hailstorms
Insurance Implications:
Typically Covered:
- Fire and lightning
- Wind and hail
- Tornadoes
- Winter storms
Typically NOT Covered (require separate coverage):
- Floods
- Earthquakes
- Landslides
- Sinkholes (in some states)
Legal Context:
Documentation After an Act of God:
- Photograph all damage immediately
- Don't dispose of damaged items until documented
- Keep receipts for emergency repairs
- Contact your insurer promptly
- Review your policy for specific coverage
Preparation:
Related Terms
Covered Perils
The specific risks or events that your insurance policy protects against.
Exclusions
Specific situations, perils, or types of property that your insurance policy does not cover.
Flood Insurance
Separate insurance policy covering damage from flooding, not included in standard homeowner's policies.
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