What is an act of God exclusion?

An act of God exclusion refers to a clause in an insurance policy that excludes coverage for losses or damages resulting from certain natural disasters, such as floods, earthquakes, tsunamis, and landslides. In Arizona, an act of God exclusion is defined as an event that “could not have been foreseen, or, if foreseen, was inevitable” due to natural phenomena. Such events are considered beyond the insured’s control, and therefore are not covered by insurance policies. For example, a homeowner’s insurance policy may not cover damage from an earthquake since it falls under the act of God exclusion. In some cases, however, coverage may be available for certain types of events when they are endorsed on the policy, such as flood insurance for flood-prone areas. It’s important for policyholders to be aware of act of God exclusions, so that they can understand what coverage their policy provides and make an informed decision when selecting insurance. Since the definition of an act of God exclusion in Arizona may vary, policyholders should be sure to read their policy documents carefully and contact their insurer if they need clarification on what is and is not covered.

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