How come my homeowners insurance covers ACTS OF GOD? -

What the hell is that supposed to mean? Acts of God simply means things that are not in our control. Such as, tornadoes, hurricanes, any other natural disasters. Charlie D: That's not true. I can assure my homeowner's policy, the actual paperwork, says ACT OF GOD. I know this because I buy the insurance hubby is horrible at knowing what to get and how much to get. Even some small claims court use the term. Such as if a neighbor's tree falls in your yard. They have to determine whether it was an act of God or if the tree showed signs of distress before it fell. I have heard judges use the term ACT OF GOD in the courtroom. Oh I know but they assume that because they would be offended at the use of the term that no one uses the term. Here in Texas people still go to church so Act Of God is still accepted. Report Abuse shhhhhhh dont tell them cose they will withdraw it.you know they dont like paying out.means an earthquake or if you lose your roof on a windy day.keep stoomph and you get a pay out lol What the hell...do you NOT want it? read your policy since you don't seem to know what this means. i'm pretty sure once you figure it out, you'll be glad its in there An act of god in the insurance context refers to a legal term of art, which exists even in today's legal vocabulary. Black's law dictionary defines an act of god as, "an overwhelming event caused exclusively by forces of nature, without the possibility of prevention and without intervention by any human agency; examples are earthquakes, floods, and tornadoes - Also termed act of nature." Because this term of art has been defined by years of case law, insurance companies throw this language in to make sure that these "acts of god" are covered. I'll have to agree with Alan L. He gives a good answer. Read your policy again. NO insurance policy uses the phrase "ACTS OF GOD". Where do people get this idea from? Well, your homeowners policy does NOT cover Acts of God. Read the policy. Nowhere in there, does it refer to acts of God. Likely it covers wind, fire, hail, lightening and a myriad of other things. "Acts of God" is not covered. It's also not excluded. Because it's NOT AN INSURANCE TERM. So you won't ever see that term used by a professional, when you talk about insurance. Only people that haven't read the policy, and don't know much about insurance, use that term.