"Act of GOD"??
Why is this language inappropriate in contracts or insurance policys.
Answers:
Because it's an old phrase dating back centuries -- it refers to actions and events that are beyond human control.
The other term for the concept is "force majeure".
Because it's a very old legal term that means something very specific. Changing it could screw things up big time. It's just a legal term, don't sweat it. It doesn't even mean God any more. It's just like lots of other words that have lost their original meaning.
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