I get it, but I guess you could also look at it this way. Let's say you live in the Midwest and a tornado hits your town. We've all seen cars, debris, farm equipment, etc...tossed into houses and homes that have been damaged by flying objects of all kinds that weren't hit by the tornadoes themselves. If a car is picked up 300 yards away by a tornado and dropped on my house, should I be able to sift through the rubble, find the registration, call that person and tell them they are responsible for fixing my house? I'm not trying to be a smartarse here, just playing Devil's advocate. My understanding of the "Act of God" designation is to shield people from being liable for damages they never could have prevented in the first place. I mean sure, I could have moved in five years ago and said, "Hmmmm...those healthy, strong, mature maple trees (which provide shade, make the yard look nice, etc...) could one day come down if a Hurricane makes landfall in NJ-I should probably cut them all down."