Exclusions

An act of nature or an act of God is defined in Barron's Law Dictionary as, "the result of the direct, immediate and exclusive operation of the forces of nature, uncontrolled or uninfluenced by the power of man and without human intervention, which is of such character that it could not have been prevented or avoided by foresight or prudence."

The definition given above clearly states that the act of nature must occur exclusively by the forces of nature and have no possible intervention by man. An intervention of man would break the chain of events necessary to establish an Act of God.

If the act occurred exclusively by the forces of nature, and without any intervention or possible avoidance by a human, then it is quite clearly an act of God. If the damage is based on human intervention then it is not an act of God. An example of an act of God is a tornado or an earthquake. These types of natural disasters occur without any control or interference from a human.