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.