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I know "flood" is excluded under the standard homeowners policy. That coverage is obtained by purchasing a flood policy not an "act of God" policy. In just saying I have not SEEN the phrase "act of God" in a policy. Not saying it's not there. I would like to see a sample of it as I've never seen it.

I am not saying a flood is not an act of God.

I know people commonly use the phrase "acts of God". However, I do not recall having seen that term in a policy as mentioned in the quoted comment. Many think that "acts of God" are impossible to insure against. That's not true. Tornado, wind, hail, flood and earthquake are all commonly considered "acts of God" and their resulting damage can be covered by insurance.

As stated in the quote you referenced, the term "acts of God" is commonly found in other contracts and damages from a delay such as in a construction delay due to "acts if God" are usually not covered.

Deltaboy, I have read many insurance policies and have never seem the term "acts of God" used. Can you provide a specific example as I am very curious where this phrase originated with regard to insurance policies.

2. I believe others are simple acts of God as you will find in most insurance policy.

Tic Tac wrote:I can't believe some people are defending the legislator's attitude that it's acceptable to be careless when handling loaded guns. I hope it never hits them like a jar of jalapenos.

What in the world are you talking about?