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We know it's not God causing the climate disasters.
Wouldn't that instead make it an act of insurrection or warfare? It would be funny to see insurance companies spin claims related to weather disasters largely caused by climate change as an act of insurrection by the oil companies
God created the universe(unless im missing a religion where gods didnt create the universe), which lead to humans, which lead global warming
God is basically as responsible for global warming as humans are if you ignore everything between "the universe is created" and "global warming"
Also, missed opportunity for an oil company to name themselves "God"
Going by that argument though, then EVERYTHING is an indirect act of God.
Bullet wound? Clearly it was God’s will, for ordering the universe in such a way that an individual was armed at that point in time to cause you harm.
Cancer? God willed the carcinoma onto your skin.
Maybe it’s just Argumentum ad absurdum, but insurance companies are basically arguing against their own existence.
If you consider something that was caused by humans an act of god, then why would anything else caused by humans not be considered an act of god
Remember God isn't real though.
According to Wikipedia, there are 4200 religions. I was just covering most cases
Also, im pretty sure there cant be an act of god without a god
A legal "Act of God" is a term of art in legal documents, though - usually found in a force majeure clause. I don't think you need to have a God to have an "Act of God".
It's just a good portion of our legal code and its terms are derived from English law from several hundred years ago.