Buying or selling a car after a disaster

Understanding what counts as an “Act of God”

it’s important to understand the difference between insurance claims for weather-related damage that is considered an act of God (i.e., unavoidable and unpreventable) versus damage that might have been prevented. 

For instance, while water damage to a parked vehicle from a flood is generally covered, your insurance company might respond differently to your claim if you drove through floodwaters. Likewise, if a tree falls on your car, your insurance provider will evaluate various mitigating factors. If the tree was already diseased or dying, for instance, your claim may be affected. Or if the tree was on a neighbor’s property, you may have to go through their insurance company.