Most homeowners have heard about “acts of God,” but many may not know exactly what it means. Insurance policies cover certain problems for people who own homes and vehicles, but they may exclude others. For example, if your roof caves in due to a lack of maintenance or attention, your insurance company will most likely not cover the repair costs. On the other hand, if a hail storm damages your shingles, your insurance company may foot the bill to have them replaced.
An “act of God” is a natural event that cannot be prevented. You don’t know it’s coming and even if you did, there is nothing you can do to stop it. Damage caused by a tornado, an earthquake, a hailstorm, a hurricane or other naturally-occurring catastrophes would be covered. Here’s some more information about what your insurance company may consider an “act of God.”
Your Comprehensive Coverage
You may be covered for a loss under the comprehensive portion of your policy if the damage is caused by a bird, a fire or falling objects. You may also be covered if the damage is the result of a criminal act, riot or some type of storm. You can always ask your agent about what is covered under the comprehensive portion of your policy.
Your Liability Coverage
In some cases, your insurance company may deny your comprehensive claim and tell you that you have to file the claim under a different portion of your coverage. That coverage may be your liability coverage.
Liability coverage will pay out for damage to your property if a neighbor’s tree falls on your garage, a neighbor’s dog runs into the road and causes you to be involved in a collision or various other scenarios.
Your Collision Coverage
If you don’t have comprehensive coverage for your car, you may be able to use your collision coverage if you are involved in an accident caused by an “act of God.” It’s important to ask your agent how using collision coverage may impact your insurance rates. This is an important step because it can have a negative impact in some cases.
Know the Exceptions
Even in cases where an occurrence would be considered an “act of God,” your insurance carrier may not provide coverage. These exceptions typically involve incidents that have a high probability of occurring in your area. For example, if you live in an area that is prone to flooding, your insurance carrier may require an additional rider or refuse your claim. If you live in an area of the country that experiences frequent hurricanes, your claim may be denied. If you don’t have coverage for the particular type of storm damage, your claim may also be denied.
If you have experienced damage or injury in San Luis Obispo through no fault of your own, you may be entitled to compensation for your financial losses. We are experienced representing people just like you, and we will fight to get you what you deserve. Reach out to our office today to schedule a free case evaluation, and learn more about what we can do for you and your family.