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Your home, personal items, and other buildings and structures on your land are covered by a home insurance policy. But what if a natural disaster damages your home? In terms of home insurance, what specifically is an "act of God?" An “Act of God” Clause
An "act of God" is a phenomenon that occurs due to uncontrollable natural forces. Natural disasters such as flooding, lightning damage, and tornadoes are examples of acts of God. Many insurance plans include an act of God clause that helps specify which acts of God the policy covers and which are not. Many insurance providers charge a predetermined fee for such damage limitations. They may even provide completely separate coverage. Acts of God Coverage Some homeowner insurance policies only cover damage to the home due to certain acts of God. But not to the policyholder's additional structures and buildings. Acts of Nature
Acts of Humans Civil unrest and riots damage Theft and vandalism Explosions, fire, and smoke from terrorism Acts of God VS. Force Majeure In general, an act of God solely refers to natural events. An act of God could not be predicted or stopped, and for which no human is responsible. Meanwhile, force majeure refers to natural disasters and unusual conditions caused by human involvement. Natural disasters
Man-made disasters
Proximate Cause A proximate cause occurs when an event harms your house and is ordinarily not included in your policy. However, it becomes covered due to its connection to a previously covered event. In this situation, the initial event in the series of events may be responsible for the coverage of future events. Policyholders should evaluate their policies carefully to understand what types of damages are insured by acts of God. They can then decide whether or not to get supplementary coverage to protect themselves and their property from specific threats. Conclusion Acts of God do not exempt anyone from exercising reasonable caution. However, what constitutes a natural disaster varies by region. Policyholders should review acts of God coverage options and exclusions. At Arnold Insurance Agency, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (318) 965-5953. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.
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