jennfarmer100904
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if it's not an act of God, then you have to be saying to someone (a physical person) caused it.
Don't be so literal, 'act of God' doesn't mean that God waved his staff and created a hurricane, it's a general term. |
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nic nac
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Next time get an insurance policy from an atheist. |
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Lizard
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That not a term that is used - if something is storm damaged in UK then this would be covered.For example we covered claims from the big Tsunami - this could be see as act of god! Act of god is something disgruntled claimants use. Can you name an act of GOD?
Storm is 44 knots or above - all insurance company use weather reports such as met office. |
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blb
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It is a stupid saying that people have been using for years. I am an insurance agent and have been for 25 years. I never use the term act of God. I always say the damage is weather related |
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Oracle
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Storm damage is a standard insured peril under any (decent) household insurance policy along with the likes of fire, flood, lightning, explosion etc... |
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Gambit
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Act of God is a legal term used by lawyers for events outside of human control, such as sudden floods or other natural disasters, for which no one can be held responsible. However, you will never see the term in an insurance contract or policy as it is too general and too vague. An insurance policy insures against specific perils, or it excludes specific perils. Anything as vague as Act of God would leave the insurance company open to a variety of lawsuits if it tried to exclude a claim under this term as it leaves too many avenues open for lawyers to argue. |
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GEOFF W
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get a better insurance company try more than. |
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PJ
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They do not use that phrase, the media uses it. |
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welcome news
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I have been an insurance broker for 20 years and I have yet to find a clause in a UK house insurance policy stating 'Act of God'.
In any case 'Storm' is a specifically insured peril (Meaning rain AND wind - a heavy downpour is not 'storm') |
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mamatohaley+1
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"Act of God" is not a contractual insurance term.
What my guess you are referring to is a denial of a third party claim due to lack of negligence on the named insured. In other words... your neighbors tree was healthy and bolt of lightening split it in two causing it to fall on your house. Your neighbor and their insurance is not responsible for the damage as he did nothing wrong to cause the damage (he was not negligent) it was an "act of God or nature".
There is nothing for the courts to decide because negligence is what would be in question. |
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