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In the law of contracts, an "act of God" may be interpreted as an implied defense under the rule of impossibility, i.e., the promise is discharged because of unforeseen, naturally occurring events that were unavoidable and which would result in insurmountable delay, expense or other material breach. In other contracts, such as indemnification, an act of God may be no excuse, and in fact may be the central risk assumed by the promisor
The United States is still at war, and the government says it's prepared to pay the considerable cost. Your homeowners insurance carrier may not be quite so willing.
Virtually every homeowners insurance policy carries an "act of war" exclusion. Simply put, if the Iraqi army manages to launch an attack on U.S. soil and your property is damaged as a result, your insurance company isn't required to hand over a check.
The rules are equally clear for nuclear disaster: Insurance companies don't pay for that either.
But it starts to get a little foggy when you start talking about acts of terrorism. Then it becomes more a question of who did what to whom.
According to documents submitted to the court by Bayer, last year's massive contamination of US rice with an unapproved, experimental variety of rice called LL601 was due to 'acts of God' or the rice farmers themselves.
Pushing the blame onto the rice farmers is no surprise as the farmers are the ones suing Bayer for millions of dollars of lost income. The price of US rice plummeted last year, immediately following the discovery of the GE contamination in rice exported to Europe and Japan, where consumer resistance to Bayer's less-than-divine intervention in their food is strong.