Acts of God
Acts of God are natural calamities which are not covered by your insurance policy, such as earthquakes, unusual tropical storms, lightning strike etc.
The key feature of an Act of God is that it cannot be reasonably forseen, so flood damage to a property on a flood plain should be covered, while it probably won't be if the area has no history of flooding and no history of heavy rainfall.
If you make a claim and your insurer decides that the damage was caused by an Act of God, you have the option of going to court to settle the dispute.
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