What is an act of God exclusion?

An act of God exclusion is a type of clause in insurance claims law that excludes coverage for a claim resulting from an event that is considered beyond human control. It is commonly seen in many types of insurance policies in North Carolina and other states. This type of exclusion is designed to separate the insurer’s responsibility from events or conditions that are completely out of the insured’s control. The most common type of events that could be categorized as an act of God are natural disasters like hurricanes, flooding, or earthquakes. This type of exclusion also applies to other natural occurrences, such as animal attacks or damage caused by a plague of insects. All of these events are understood to be beyond human control and are thus not covered in the insurance policy. Acts of God exclusions are written in very plain language so that the risk is understood by the insured. The language usually begins with the phrase “we do not cover damage resulting from…” followed by a list of events that could be considered an act of God. It’s important to read these exclusions carefully, as they may vary based on the type of insurance coverage purchased.

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What is an act of God exclusion?

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