Act of God Insurance Coverage: 4 Steps to File an Insurance Claim

When you experience a natural disaster, you can expect an act of God insurance coverage to compensate for your damage. Hence, you can focus on your rehabilitation when you get physical damage after suffering from a natural event. See the examples of acts of God through the explanation below.

The Definition of Act of God

Before discussing insurance coverage, it’s best to know what kind of disasters are related to acts of God. According to Investopedia, an act of God is a contractual language with the same meaning as force majeure. Insurance companies use this term to describe natural events humans do not cause.

The list of natural disasters considered an act of God varies, such as floods, natural catastrophes, earthquakes, and tsunamis. So what seemed to be a question is, are acts of God covered by insurance? While striving to get coverage, there are some exceptions, so ensure you do the essential four steps to get compensation.

4 Steps to Get Act of God Insurance Coverage

Since a natural disaster can’t be predicted easily, you must prepare for the worst scenario. If you’re experiencing a natural disaster in your area, ensure you do these four steps to get fairly compensated by your insurance company.

1. After checking that you and your cherished ones are safe, take photographs or videos of the damage from various angles. Ensure that you take the photographs from a safe location. 

2. Try to prevent the damage from spreading. For instance, you can remove the standing water as an act of prevention.

3. Submit your claim and all the images you took to your insurance provider so you can proceed with calling the maintenance specialist.

4. Ensure you talk to your provider about getting a temporary place to stay while waiting for the reconstruction. 

After knowing these steps, you may take action by signing a home insurance. Home insurance can help in case you’re getting this uncontrollable event in the future. 

3 Types of Home Insurance Policy

Many people questioned what would be covered by the home insurance policy. According to Forbes, there are several home insurance policies, so let’s discuss the common ones!

1. HO-1 

This type is also known as basic homeowners’ insurance, as it provides primary coverage. If you have an HO-1 policy, you can be compensated relatively due to these ten events. Look at the list below.

• Lightning or fire;
• hail or windstorm;
• civil commotion or riot;
• damage caused by aircraft;
• explosion;
• smoke;
• damage due to vehicles;
• theft;
• volcanic eruptions; and
• vandalism.

2. HO-2

While the HO-1 is a basic policy, you can call HO-2 the broad form. It provides coverage for extended perils rather than what is included in the HO-1. So, this policy covers all the perils in the HO-1 plus the perils mentioned below.

• Freezing of plumbing;
• accidental discharge of water;
• falling objects;
• cracking due to sudden events;
• weight of snow; and
• sudden damage due to electrical current.

3. HO-3

You may also use the HO-3 policy as an act of God insurance coverage. The HO-3 policy covers sixteen perils, and those events are:

• lightning or fire;
• hail or windstorm;
• damage due to vehicles;
• explosion;
• damage due to aircraft;
• civil commotion or riot;
• vandalism;
• smoke;
• falling object;
• theft;
• weight of snow;
• accidental damage due to electrical current;
• freezing of household appliances;
• unintentional overflow of water;
• volcanic eruption; and
• accidental burning or cracking.

Ensure you ask all the questions you had to the insurance agent to understand what perils are included in your policies. Besides, write all the details they gave you, or try to record your conversation for precaution.

5 Best Companies that Handle Act of God Insurance Coverage 

So, if you know that your city is prone to natural disasters, ensure you take action immediately by creating home insurance before anything hazardous happens. For those who want to develop homeowners’ insurance, consider the five best insurance companies below.

1. The Hartford

You need to find out how long an insurance company has been doing the business to consider using their service. For instance, you won’t need to worry if you ask for help from The Hartford. This company has been running for over 211 years, and its experts have worked for thousands of clients.

Hartford has also gained popularity due to its customer service excellence, integrity, sustainability practices, and trust. Hence, don’t hold back from seeking help to make a home insurance with The Hartford. Contact them now by visiting their site.

2. Hippo 

If you’re asking for proof, here you can find several honest reviews on the Hippo website. The clients seemed satisfied with how Hippo served them with utmost care. Hippo also proves their ability by the total of their clients in the US, as there are already 200,000 homes insured in the state and still counting.

For those who would like to gain home insurance from Hippo, don’t hesitate to call them at 800-585-0705. Their claims team is also available online so you can visit their site, as indicated.

3. Harris Balcombe

Act of God insurance coverage can also be handled thoroughly by Harris Balcombe. They are a team that upholds complete transparency and independence, so you can rest assured while Harris Balcombe takes your claims. You can also trust Harris Balcombe fully, as they are experts with over 140 years of combined experience.

Hence, contact Harris Balcombe now by visiting their page. You can find several contacts of their experts and call one of them to get your claims handled directly.

4. Age Co

Remember that it will be challenging to claim coverage if you’re located in a place prone to natural disasters. For instance, if you reside in an area often impacted by tornadoes, you may find it challenging to obtain insurance with an affordable price related to the tornado.

So, ensure you discuss the case with the Age Co. They offer home insurance, car insurance, funeral plans, and legal services at a price you won’t regret. You can discuss insurance with Age Co, so contact them here.

Are You Ready to Get Act of God Insurance Coverage?

For those who ask, “Are acts of God covered by insurance?”, the answer is it does. But, beforehand, clarify this matter with your insurance company. So, you know better what perils are covered and what are not. Thus, if a natural disaster strikes, you can claim your rights after you experience the damage.

Four insurance companies offer the act of God insurance coverage. Those are The Hartford, Hippo, Harris Balcombe, and Age Co. Before choosing one, do your own in-depth research, and contact them if you need to apply for homeowners insurance.