Texas Adjuster Practice Test 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

What characterizes an "Act of God" in insurance terms?

A planned event that is unavoidable

Natural events caused by human actions

Natural events that could not have been prevented

An "Act of God" in insurance terms is characterized by natural events that could not have been prevented, which makes the selection correct. This term typically refers to catastrophic events such as floods, hurricanes, earthquakes, and other natural disasters that occur without human intervention and cannot be foreseen or avoided.

These events are often beyond the control of individuals or entities, and thus, insurance policies frequently include provisions stating that damages from such occurrences may not be covered unless specifically included. In understanding "Acts of God," it’s crucial to distinguish them from other events that may be due to human actions or negligence, as those situations often fall under different categories for liability and coverage.

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Incidents arising from poor maintenance

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