Catastrophe Insurance Claims

Catastrophe Insurance Claims
Fitch Upgrades Florida Hurricane Catastrophe Fund Finance Corp. to ‘AA’
NEW YORK—-Fitch Ratings assigns an ‘AA’ rating to the following Florida Hurricane Catastrophe Fund Finance Corp bonds:
Farmers Insurance’s Fleet of Catastrophe Claims Vehicles

Why would insurance companies include “acts of God” in their policies if there wasn’t a God?

Aren’t they themselves acknowledging the existance of God when they pay or not pay for damages caused by catastrophic events?

“An act of God is a natural catastrophe which no one can prevent such as an earthquake, a tidal wave, a volcanic eruption, a hurricane or a tornado. An act of God is generally considered an act attributable to nature without human interference. For example, damage from a tornado or a lightning strike would be considered an act of God. Damage would not be considered an act of God if it is caused by the property owner.

Acts of God have legal significance because “acts of God” are a legal excuse for delay or failure to fulfill an obligation or to complete a construction project. Many insurance policies don’t cover damage caused by acts of God. At times disputes arise as to whether a violent storm or other disaster was an act of God (and therefore exempt from a claim) or a foreseeable natural event.”

http://definitions.uslegal.com/a/act-of-god/

Maybe they put it there in case there is a god? Why does this matter, really?

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