The phrase “Act of God” refers to a natural event that is not caused by human activity, such as earthquakes, floods, or severe storms, which may be used in legal contexts to absolve parties from liability for losses or damages caused by such events. Insurance policies often use this term to define coverage limits and exceptions. To determine if the collapse of your fence is covered under an Act of God clause, you should review the specific language in your property insurance policy or your homeowner’s insurance policy.
Typically, if the fence fell due to natural causes beyond human control, such as a strong storm or high winds, it may be considered an Act of God. Insurers often cover such damages if they are explicitly included in your policy’s terms. However, if the fence fell due to poor maintenance, age, or neglect, these are typically not covered under the Act of God clause.
You should contact your insurance provider to clarify the specific coverage aspects and assess if such an event fits into the Act of God definition according to your policy. If the damage falls within covered perils listed in your insurance policy, you might have a valid claim for coverage.
