Insurance policies - 'act of god' and what if u dont believe, then it can't be an act of god?

In the insurance world, 'act of God' means the same as act of nature. Anything against human control is referred to as act of god.

Instead of "act of God" they could use "sh*t happens" to convey the same meaning. But not as professional. "Protest for human rights" is called a "riot" when property is damaged. Not covered. Your personal beliefs or definitions have nothing to do with the legal definitions. And since an insurance policy is a legal contract, the legal definition is the only one that matters.

"In your insurance docs u r told u r not covered if its an act of god" Wrong. There is no such declaration in your insurance contract. If that was right no one would be paid for damage caused by windstorms, tornadoes, hail, lightning, airplanes falling out of the sky or volcanic eruptions. Though these types of losses arise from acts of God they, nonetheless, are paid routinely. If you choose to pay an additional premium you can even get coverage for earthquakes and floods. Your belief or non-belief in God is irrelevant. Some commercial property policies do exclude terrorism but even that coverage can be bought back for an additional premium. Property insurance policies, like homeowners, already cover riots (though acts of war are not covered) so your human rights demonstration that causes damage to your property is covered.

I've been doing insurance for 25 years. I've never, ever seen a policy that refers to "act of God". This is a HOLLYWOOD term, not an insurance term. It doesn't matter if it's an act of God or not, so it doesn't matter if you "believe". Insurance covers fire. Or, it doesn't cover fire. It doesn't matter WHO caused the fire, except for arson by the insured. Insurance covers flood, or doesn't cover flood, regardless of who caused it. Insurance covers terroristic acts, or not. If a terrorist causes a fire, and fire is covered, then it's covered. Insurance covers or excludes PERILS. Not CAUSES.

Act of God and Force of Nature are essentially the same thing. As for Terrorism, that sprang up about 10 years ago (we had a pretty serious incident here in the states which prompted it). Terrorism (at least on this side of the pond) can be excluded, included, purchased back if excluded, etc. Terrorism would need to be a defined act of terrorism, not just malicious mischief. For instance, the recent rioting and looting in the UK would be considered malicious mischief, civil commotion or riot and not terrorism.

More like a lack of basic comprehension. IN order for a policy to apply, there must be definitions of what will be involved. Those definitions are legal definitions recognized by the issuing body. What the end user thinks doesn't matter.

It is just used as a get-out-clause so they can say that just about anything is an 'act of God'. Basically they use it to avoid giving out compensation.

It doesn't mean that it was actually something that god did. If that were the case, then "In God We Trust" would be argued as "I don't believe or trust in god, so I don't see the validity of this money!". Get over it. It just means that if some natural disaster or freak accident happened, your insurance policy doesn't cover it. For example a hurricane whipped through and a tree that was in the middle of it fell onto your house. You don't believe in god, but that incident still happened. Also, I haven't seen any insurance document speaking of an act of terrorism. I've thoroughly read my policy before signing on for it (my previous one sucked so I went elsewhere and made sure to read it or else I might get screwed like the previous one) and there is no mention of terrorism. Act of god or unexpected/freak disaster sure, but not terrorism.