Is the ‘Act of God’ clause a myth?
The ‘Act of God’ clause is a myth – you won’t find it anywhere in your policy wording – but there’s still a common misconception that insurance providers include an ‘Act of God’ clause in their policies.
In the event of a natural disaster, such as a fire, flood or storm, you should find your home insurance covers you - although your policy is likely to have exclusions and isn’t going to cover you for all unforeseen circumstances.
What your insurance provider will and won’t cover will be clearly written in the policy. As always, you’ll have to read the small print to be sure. Keep an eye out for sections relating to natural disasters in this context.