WHAT DO INSURANCE COMPANIES VIEW AS AN ACT OF GOD?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jun 2, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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”.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption