An Act of God is referred to an occurrence that is directly caused by a natural phenomenon, which could not have been prevented by reasonable foresight. Courts have recognized certain occurrences such as tornadoes, earthquakes, high tides, lightning, or floods as Acts of God, which are also known as Force Majeure or Vis Major. Some contracts contain a provision under "Act of God Doctrine,” which excuses delay or failure to fulfill a commitment or to complete a construction project, due to above-mentioned events. Most insurance policies exempt coverage for damages caused by the so-called acts of God. Of course, the Insurance Industry often uses many lame excuses to deny coverage, why not blame it on God. Of course a beneficiary of a contract may dispute that the violent storm or other natural disaster was a foreseeable at the time of contracting.
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