The legal definition of an “act of God,” according to insurance companies, is “an event that directly and exclusively results from the occurrence of natural causes that could not have been prevented by the exercise of foresight or caution.” With that in mind, do insurance companies consider a flood to be an act of God?
Whether or not a flood is considered an act of God depends heavily on the circumstances, such as:
- How an act of God is specifically defined in your insurance policy
- Whether flooding is specifically discussed in your insurance policy
- Whether the area covered by your insurance has a history of flooding or is in a danger zone for flooding
- Whether the flooding on your property could be prevented or prepared for
In many cases, flooding is not covered by your general property insurance unless you live in certain states or areas. You should be sure to do research before buying property insurance and before buying a flood insurance policy separately. You should also read all of your insurance policies over carefully.
If you have had a flood-related insurance claim denied, it is vital that you understand exactly why it was denied and whether it was denied for a valid reason. If you believe that your insurance company did not process your claim correctly or that it acted in bad faith, you may wish to speak with a Dallas insurance claim attorney. At the Voss Law Firm, we are committed to helping businesses and families make certain that insurance companies honor their contracts. To learn more about our legal services or to schedule an appointment, call today: 888-614-7730.