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The linked article is wrong about one thing though: whether or not the loss is considered an “act of God” is irrelevant. We talked about this back in our post on Thor, where we noted that “act of God” provisions are typically part of contracts other than insuring agreements, because insuring agreements are specifically intended to cover what would count as “acts of God,” i.e., lightning strikes, floods, fires, etc.
The Avengers: Who’s Gonna Pay for That? | Law and the Multiverse
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