How is property damage or personal injury that results from a natural disaster or "Act of God" handled?
If damage or injury is the result of a natural disaster or "Act of God," your insurance might pay for some of the damage. However, just because the damage or injury may have been caused by an unforeseeable natural event, that does not mean that there may not be someone else responsible for the damages that the event created.
For example, when Hurricane Andrew, an “Act of God,” hit Florida in 1992, many home builders were found not to have constructed homes up to code and were found liable for homeowners' losses. | 
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