Texas Adjuster Practice Test

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Which of the following would qualify as an "Act of God"?

  1. A planned community event

  2. A hurricane that damages homes

  3. Vandalism to a property

  4. Negligence leading to a slip and fall incident

The correct answer is: A hurricane that damages homes

An "Act of God" refers to natural events that are beyond human control and cannot be prevented or avoided. These events typically include disasters that result from natural forces, such as earthquakes, floods, and hurricanes. In the context of this question, a hurricane that damages homes is a prime example of an "Act of God" because it is a natural occurrence that can cause significant harm without any human intervention. It highlights the unpredictable and uncontrollable nature of certain types of disasters, making it distinct from other types of events like vandalism or negligence, which are actions resulting from human behavior.

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