Concerning insurance companies and "acts of God"; years ago from an insurance company’s point of view is things such as trees falling on cars.
This is what happened to my uncle’s car and their insurance did not cover it because it was according to them it was an "act of God. Yet they will cover house roofs that are damaged by high winds. This is what happened to a friend of mine's house. However, after they covered the costs, the company promptly cut them off despite the fact that it was the first time they have had to use their insurance. He was forced to find another insurance company to cover them.
Those events happened years ago.
Now, insurance companies no longer use the term “act of God”. http://www.cooperators.ca/en/Answer-Centre/how-does-insurance-work/act-of-god.aspx
This of course doesn’t mean that regular house insurance covers things like floods and earthquakes.
Though, there are things such as major floods (extended water damage policies can be bought, however they do not cover major floods). But this does not cover “accidental flood damage”. You can buy extended coverage for things like earthquakes.
Here is a quote that shows why the term “act of God” is no longer used.
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"Acts of god " can be fought because it forces all policy holders to believe in the same religion and violates the law.”
After reading these descriptions, I think perhaps we are dealing with semantics. Therefore I agree with your statement:

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Insurance companies exempt claims for instances which they claim are "acts of God". Yet these people who included these "acts of God" are in most every case Atheists or Agnostics. But in truth, what ISN'T an act of God? That being true, either the insurance companies should cover ALL legitimate claims or stop selling insurance.

Tom


Last edited by Tom; Wed Jan 01, 2014 10:12 PM.