Vana Roth

Insurance and Acts of God

I read an article by John Philipp who in my humble opinion is one of the funniest writers on Gather. I love to read his articles because they usually guarantee a good laugh. The article I read is titled "Got the world by the TB's" which of course launched my brain into pondering another topic not even remotely related to his article. It can’t be helped. Tell me one thing and my head goes off in a different direction.

It got me thinking about insurance and all the conditions they write into policies. Maybe it’s been all the storms lately and all the damage being inflicted on peoples property. Anyway, I don't know if they do this anymore but some of you might remember this disclaimer. The disclaimer reads something like: This policy is null and void if injury, death or accident is determined to be a direct result of an Act of War, Natural Disaster, or Act of God.

Now my questions are...what type of accident, injury or death did they expect to be an act of God? I don't recall them stating exactly what types of incidents would fall within this category. Or...were they just hedging their bets in the event of some inexplicable incident that didn't fall under War or Natural Disaster?

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