Homeowners Insurance Coverage for “Acts of God”

Insurance companies will sometimes try to deny a claim arguing that the damage was an “Act of God.” In the insurance industry, an “Act of God” is an unforeseen, naturally occurring event, like a huge tree branch falling on your house during a storm. The insurance company may deny this claim, arguing that you knew the tree was decrepit and should have been cut down and that you had a duty to maintain the property.

Whether the insurance company can successfully deny your claim depends how the policy is phrased so if you find yourself in a situation like this, you should make an appointment with an experienced insurance attorney so that you and the attorney can go through the policy together.

It’s unfortunate because you buy insurance to be protected from unexpected losses. The insurance company, which should be making good on its promise to compensate you instead, in our experience, tries to find ways to deny your claim.

If your homeowner’s insurance claim is denied and you disagree with the insurance company’s decision, you should speak with an experienced insurance lawyer, plain and simple.

Attorney Patrick Leverty

Attorney Patrick LevertyWith his master’s in insurance law, Patrick routinely helps individuals and businesses who are having issues with their insurance company. He also has extensive experience with personal injury actions, complex tort actions, product liability matters, and class actions. Patrick Leverty is rated AV by Martindale Hubbell (the highest rating) and has been granted membership in the Million Dollar Advocate Forum, and Multi-Million Dollar Advocate Forum. Patrick Leverty has been certified as a Personal Injury Specialist by the State Bar of Nevada. [ Attorney Bio ]