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this post was submitted on 11 Jan 2025
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I’m an atheist that understands that an act of god refers to any destructive natural event where the damage to property couldn’t have been reasonably prevented. And insurance companies detail exactly what is and isn’t covered per policy; it’s just that they can get away with denying coverage due to lack of oversight/policing of them.
I Germany we call it "Höhere Gewalt". While that can refer to something supernatural, it just means "higher force" and I think it does a good job as a term.
It isn't a good term though. There's no such thing as the supernatural.
Yeah it's not supernatural. It's just that nature itself is a higher force than we are, or can you prevent an earthquake?
Don’t let reason and logic get in the way of his edginess.
Dude, I'm also an atheist and very vocal about it. Don't be that kind of atheist. Pick your battles and realize that trying to eliminate religious words from non-religious applications is not one you're going to win. This is really no different from atheists who refuse to do things like exclaim, "Jesus Christ!" when they stub their toe or are super frustrated or whatever as if the words have some sort of power.
As someone who thinks there is no such thing as the supernatural, maybe don't give words so much power?
Isn’t that what insurance is for?
Insurance is literally a market of risk assessments. The odds of any given event are x, y and z and the cost of each of those events are a, b, and c. Take the number of people who are applying for policies and spread the cost based on the risks and figure out how much each needs to pay to be able to cover x, y or z should/when any of them occur. There’s discussions to be had on how much a percentage of profit should be allowable on the top and how much to subsidize on known high risk coverage that is not mathematically reasonable but it all boils down to buying risk based on the chance and cost of any given event happening. Act of God/Force Majeure make complete sense when framing it this way. The insurance policy is based on known and predicted risks. You don’t have volcano insurance in NJ and you don’t have hurricane insurance in Kansas because they aren’t expected disasters so they aren’t included in the risk calculations. Act of God is a catch all term for things beyond the expected scope of the policy which is based on clearly established limits and scenarios.
That is one reason, yes.
You can't prevent earthquakes but they sell earthquake insurance.
Many modern buildings are designed to withstand earthquakes of some magnitude; this is what reasonable prevention means.
You can’t prevent any natural force unless your uncle knows god (and is on good terms with them). What was stated was the ‘reasonable prevention of damage’. insurance companies that sell earthquake insurance won’t insure buildings that are not up to code, which in turn is based on locally expected disasters, their expected commonality, their expected severity, and what is considered to be reasonable measures for the prevention of damage (or an excess of e.g. mitigation).
For example, where I live you can’t get hail insurance unless you have impact resistant shingles. I had and have exactly that so I got hail insurance; after a particularly bad hail storm (and 8 previous years of wear) I filed a claim and had my entire roof redone at my insurer’s expense. I was kind of surprised how straight forward the process was and the stark absence of bullshittery, but I may have just gotten lucky. The area I’m in gets a lot of hail so it may also be in the insurer’s best interesting not to get a name for denying for hail damage.
You don't have to use the non-specific pronoun. We all know god is a woman from the documentary by Kevin Smith.