Have you been hurt by the 'Act of God' clause?

More importantly; is there really an 'Act of God' clause??? If so, you can't half tell I read the small print.

Yes I found the film quite entertaining and I was pleasantly surprised from what I thought (in the first instance) on how it might turn out. I like Billy Connelly's style for some reason.


Cheers!!!
AB.



God wants spiritual fruit, not religious nuts.

It has actually helped a few times, not hurt. Once something that occurs on your property is deemed an "Act of God", neither YOU nor the Insurance Company is liable. You can't be held negligent since the circumstances were beyond your control. Very high winds and torrential rainfall cause a gutter to overflow; that water enters an office you rent out and damages several thousand dollars worth of equipment...you're off the hook if it's determined to be an "Act of God." There are of course many, many different scenarios, and insurance companies will generally pay off, even on events considered Acts of God. In the office case, the buildings insurance didn't pay, but the Business Insurance of the office did pay, since they were insured for water damage irregardless of the source.

Force Majeure is what it's also called, and unlike it's portrayed in the movie, it's a shield against liability for an act you have no control over...nature.

These include floods, earthquakes, and some not so natural things, including terrorism, war, civil unrest, or other cause beyond your reasonable control (including any mechanical, electronic, or communications failure.)

You can however usually buy supplements to your policy that will cover all these things, as usual, the less likely the occurrences in your area, the cheaper the coverage...and vice/versa.

Don't ever read your homeowners insurance policy (especially for older homes) or you won't sleep at night! All those reams of contract are there to explain what they DON'T cover.