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What is an act of God and is it covered by my home insurance?



Every now and then we get questions that make us stop and think.

Case in point- A customer called and asked, “if my house is damaged by an act of God, do I still have to pay the deductible? I've heard it from several people. ”

Big question …… and we bet that there are many others who have asked the same question. But before we answer the deductible question, it's best to discuss God's actions – including a basic Let's start with a quick discussion of God's actions first …

What are God's actions?

Basically, God's actions are not artificial. Mother Nature gets the blame. Here is a list of common acts of God.

  • Wind (includes hurricanes and tornadoes)
  • Lightning
  • Earthquake
  • Landslides or mud
  • Fallen trees due to wind
  • Hail
  • Flood

Are God's actions covered during my homeowners insurance?

Wind-related events as well as lightning strikes are covered by a basic Ohio homeowners insurance. Hail also qualifies.

Earthquakes and landslides are EXCEPTED from basic policy. If you want coverage for these, you must add coverage via a recommendation.

Floods are NOT covered by Ohio homeowners insurance. You must purchase a separate flood policy.

Trees can be a bit tricky, but if they fall on an insured building, there is usually coverage for removal and repair of the damaged building. If it just falls into your garden and does not harm anything, it is a little different. You can read a separate blog about insurance coverage for tree claims and debris removal for more information.

Are God's Acts Deductible?

Yes. And it is important to note that many homeowners insurance companies now include their SEPARATE deduction for wind / hail. So if you have a wind loss, you can pay a different deductible than if you have a fire loss. A quick way to see this (besides calling your agent) ̵

1; look at your declaration page. Usually it lists wind / hail with the deductible and then shows the AOP with the deductible. AOP means all other hazards (which are the cause of loss). Wind, lightning, and the other acts of God mentioned above are dangers. Risks are the triggers for claims.

So you might see Wind / Hail- $ 1500 and AOP $ 1000. All covered claims triggered by anything other than wind or hail are subject to deductible $ 1000.

Insurance companies actually mention God's actions in their homeowners' insurance ?

Out of curiosity, I reviewed some standard insurance for homeowners from our various companies. Nowhere in this policy were God's actions even mentioned. I even looked through some license books. Nothing there either. No mention, no definition, nothing.

So it is a good assumption that "God's actions" have become one of the terms that are popular in the insurance vocabulary.

Are you worried about how your homeowners insurance in Ohio will respond to God's actions? Or confused what deductibles you have and how they apply in a claim? Call us at (937) 592-4871 or fill out our form below. We are happy to review your policy and let you know what we can do for you!


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