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wind and storm damage is an act of God and therefore covered under my insurance plan.  Flooding on the other hand is not an act of God.  Even though, according to the Bible, God created the greatest flood ever to afflict man.

How can floods not be an act of God?  After destroying the earth by flood, God promised that he will never again destroy the earth by flood.

Is this why insurance companies dont allow floods to be an act of God?  Is this why they can charge separately for flood insurance?

In California people have to pay extra for earthquake insurance, along flood prone areas people have to pay extra for flood insurance, and now many insurance companies are excluding wind damage from home insurance coverage if you live in storm prone areas like the gulf coast.

Insurance policies used to claim tornadoes, hurricanes, earthquakes and worse as acts of God, therefore unavoidable and therefore covered by the insurance company due to the  unfathonable and unpredictable nature of God's will.

Recently there has been a great attempt by insurance companies to make destructive "Acts of God" the responsibility of anyone exept the insurance company.

If a tree gets hit by lightening and falls on your car, your insurance company will attempt to blame the city, the neighbor or the propery owner for the lightening strike.

If lightening starts a wildfire and someone's house is damaged, their insurance company will find fault with their neighbor's foliage or the city's negligence in brush removal or the state's response time.

It's becoming quite clear to me that insurance companies are trying their best to insulate themselves against any payout whatsoever.

There are no more accidents any more.  Insurance doesn't really exist.

In most cases insurance has become a loan to help defray the immediate cost of an accident or disaster.

Accidents, real accidents, true accidents no longer exist.  The cost of an accident is eventually recouped by an insurance company.

At least that's my experience.

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