Act of GOD question

Jul 4, 2019

  1. SteveT
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    SteveT New Member

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    So if someone doesn't beleive in GOD how can an insurance company deny coverage for an incident they tag as an act of GOD? Majority decision of insurance executives?........just curious.
     
    SteveT, Jul 4, 2019
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  2. Baseball7
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    Baseball7 Guru

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    Its not ment as a religious sense
     
  3. DHK
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    DHK "YOU CAN'T HANDLE THE TRUTH!"

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    DHK, Jul 4, 2019
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  4. Markthebroker
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    Markthebroker Guru

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    I don't believe in communism, but that doesn't stop Cuba from existing.
     
  5. SteveT
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    SteveT New Member

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    Thanks.
     
    SteveT, Jul 4, 2019
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  6. adjusterjack
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    adjusterjack Guru

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    Because there's nothing in any insurance policy that refers to an Act of God, despite what that woman at Investopedia wrote. LOL. Check your own HO policy or commercial property form and you won't find the words "Act of God" anywhere.

    Nor should there be any such reference in a claim denial letter.

    I suppose Act of God might be mentioned by a claim rep in conversation but that won't make it into a claim denial letter because a claim denial letter must specify the policy wording for which a claim is denied.

    The insurance company people don't care whether you believe in God or not. The denial is based on the lack of coverage for the event.

    By the way, Steve, wind is an Act of God, isn't it? If wind blows your roof off, your policy pays for the damage.
     
  7. aray100
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    aray100 New Member

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    I really wish we could stop everyone from using the term "act of god" and "all risk" in the insurance industry.
     
    aray100, Jul 8, 2019
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  8. Markthebroker
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    Markthebroker Guru

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