WHAT DO INSURANCE COMPANIES VIEW AS AN ACT OF GOD?
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UPDATED: Jun 2, 2010
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Insurance Question from Baychester, NY
Asked on 06/02/2010
WHAT DO INSURANCE COMPANIES VIEW AS AN ACT OF GOD? IN TERMS OF HOMEOWNERS INSURANCE WHAT DO INSURANCE COMPANIES VIEW AS AN ACT OF GOD?
Answer given on June 30, 2010
I’m not sure why you are asking what insurance companies view as an Act of God. Homeowners insurance covers “Acts of God” as a part of the policy. The term generally applies if you are trying to get another person to pay for damages to your home. You need to speak with your insurance agent and advise what happened to your home and determine if your policy will cover you for the damages. If your policy will pay for the damages then the deductible will apply. If damages are over the deductible your insurance company will pay for those damages and usually will go after any other party who is responsible for your damages. If there is no negiligence, the other party may not be responsible and recovery may not be possible. This may be the part considered an “Act of God”.
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