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Act of God rules

There is no ‘Act of God’ Clause in house insurance in Ireland.

‘Act of God’  is an old legal phrase (still very much the law) which refers to damage done by catastrophic natural occurrences such as a massive flood or lightening storm or other event of nature which is well beyond the normal expectation of conditions we experience in Ireland.    A very good example of ‘Act of God’ would be a tsunami.   

 

It is legally possible to insure against an ‘Act of God’ but it must be specifically written into the policy because if it is not and an ‘Act of God’ occurs and then insured damage is experienced by the policy holder, their claim may fail under the ‘Act of God Rule’. 

 

In short, if your policy does not mention that it covers an Act of God then you are not likely to be covered for such an event.

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