What is an act of God exclusion?

An act of God exclusion is a clause in an insurance policy, usually property insurance, which excludes coverage for damage or losses caused by natural catastrophes or other events that are outside of human control. This clause is often referred to as a "force majeure" provision. In California, this exclusion generally applies to losses or damages from earthquakes, floods, windstorms, hurricanes, lightning, and other natural disasters. The act of God exclusion is meant to limit the potential liability of an insurance company, as these events are not foreseeable or preventable for the insurer. This exclusion does not prevent the insured from filing a claim with the insurer for these events, as the insurer is still obligated to honor the terms of the insurance contract. However, an act of God exclusion does not apply universally to all types of insurance. Many types of insurance policies have no such exclusion, so coverage can be provided for an act of God event depending on the type of policy and the state in which the policy was issued. It is important to carefully read the terms of your insurance policy to determine if this exclusion applies to your policy.

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What is an act of God exclusion?

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