Insurance people will only pay out if there is an 'act of God' right? lol
Insurance companies don’t use the term, “act if God”, in writing policies, at least not here in the states.
An “act of God” event is
any event that occurs outside of human control and that can't be predicted or prevented. Things like earthquakes, storms and floods are all considered “acts of God”.
Different types of insurance treat these natural occurrences differently.
Automobile insurance generally includes coverage for acts of God under your
Comprehensive coverage, which is generally considered optional insurance here if you are lucky enough to own your vehicle outright. If you have a loan on the vehicle then your loan holder probably insists you carry comprehensive insurance for their protection. Comprehensive insurance then pays for damage to your vehicle caused by anything
other than a collision, such as vandalism and “acts of God” like fire and storm damage.
With homeowners policies it’s often different. Some natural disasters, or acts of God, are covered in most all homeowners policy types, including wind, lightning and hail and some are excluded in most policies, such as earthquakes, volcanos, heavy snow and floods. That is, unless you add specific coverage for these events.
For example, if you live on a flood plain then you are almost certain to be excluded from major flood damage unless you’ve added specific flood insurance to the policy. The same is likely to be true if your home is in a landslide or earthquake prone area.
The only way to find out for sure whether you're protected against a particular form of damage from an “act of God” event is to read through your policy or ask your insurance agent, don’t assume you are… insurance companies like to minimize their risk exposure as much as the law allows.