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{{Short description|Natural disaster outside human control, for which no person is at fault}}
{{Short description|Natural disaster outside human control}}
{{About|the legal term|the religious concept|divine intervention|other uses}}
{{Other uses}}
{{Use dmy dates|date=April 2020}}
{{Use dmy dates|date=April 2020}}
[[File:Tornado Damage, Illinois 2.JPG|right|thumb|This [[tornado]] damage to an [[Illinois]] home could be considered an "act of God" for insurance purposes in the United States, if the insurance policy did not specifically account for tornadoes.<ref>{{Cite web|date=30 July 2015|title=Insurance: What exactly constitutes an "Act of God"?|url=https://www.cbsnews.com/media/insurance-what-exactly-constitutes-an-act-of-god/|access-date=2020-07-07|website=CBS News|language=en-US}}</ref>]]
[[File:Tornado Damage, Illinois 2.JPG|right|thumb|This [[tornado]] damage to an [[Illinois]] home could be considered an "act of God" for insurance purposes in the United States, if the insurance policy did not specifically account for tornadoes.<ref>{{Cite web|date=30 July 2015|title=Insurance: What exactly constitutes an "Act of God"?|url=https://www.cbsnews.com/media/insurance-what-exactly-constitutes-an-act-of-god/|access-date=2020-07-07|website=CBS News|language=en-US}}</ref>]]
{{Admiralty law}}
{{Admiralty law}}


In legal usage in the [[English-speaking world]], an '''act of God'''<ref>{{cite book |last=Black |first=Henry Campbell |title=Black's Law Dictionary |url=https://archive.org/details/blackslawdiction00blac_1 |url-access=registration |isbn=0-314-76271-X |publisher=West Publishing Co. |year=1990 |edition=6th |page=[https://archive.org/details/blackslawdiction00blac_1/page/33 33] |location=[[Saint Paul, Minnesota]]}}</ref> is a [[natural hazard]] outside human control, such as an [[earthquake]] or [[tsunami]], for which no person can be held responsible. An act of God may amount to an exception to liability in contracts (as under the [[Hague–Visby Rules]])<ref>Art. IV (2) "Neither the carrier nor the ship shall be responsible for loss or damage arising or resulting from: ... (d) Act of God"</ref> or it may be an "insured peril" in an [[insurance policy]].<ref>Marine Insurance Act 1906 – RULES FOR CONSTRUCTION OF POLICY</ref> In [[Scots law]] the equivalent term is ''damnum fatale''.<ref name="Garner 918">{{cite book|author=Bryan A. Garner|title=A Dictionary of Modern Legal Usage|url=https://books.google.com/books?id=35dZpfMmxqsC&pg=PA918|year=2001|publisher=Oxford University Press|isbn=978-0-19-514236-5|page=918}}</ref>
In legal usage in the [[English-speaking world]], an '''act of God''', '''act of nature''', or '''damnum fatale''' ("loss arising from inevitable accident") is an event caused by no direct human action (e.g. [[Severe weather|severe]] or [[extreme weather]] and other [[natural disaster]]s) for which individual persons are not responsible and cannot be held [[legal liability|legally liable]] for loss of life, injury, or [[property damage]].<ref>{{Cite web |title=Definition of DAMNUM FATALE |url=https://www.merriam-webster.com/dictionary/damnum+fatale |access-date=2023-05-19 |website=www.merriam-webster.com |language=en}}</ref><ref>{{Cite web |title=act of God |url=https://www.oxfordreference.com/display/10.1093/oi/authority.20110803095348332 |access-date=2024-03-10 |website=Oxford Reference |language=en }}</ref><ref>{{cite web|title=act of God|website=Legal Information Institute|publisher=Cornell Law School|url=https://www.law.cornell.edu/wex/act_of_god|access-date=June 6, 2024}}</ref><ref>{{cite web|title=act of nature|website=Legal Information Institute|publisher=Cornell Law School|url=https://www.law.cornell.edu/wex/act_of_nature|access-date=June 6, 2024}}</ref> An act of God may amount to an exception to liability in contracts (as under the [[Hague–Visby Rules]]),<ref>Art. IV (2) "Neither the carrier nor the ship shall be responsible for loss or damage arising or resulting from: ... (d) Act of God"</ref> or it may be an "insured peril" in an [[insurance policy]].<ref>Marine Insurance Act 1906 – Rules for construction of policy</ref> In [[Scots law]], the equivalent term is ''damnum fatale'',<ref name="Garner 918">{{cite book|author=Bryan A. Garner|title=A Dictionary of Modern Legal Usage|url=https://books.google.com/books?id=35dZpfMmxqsC&pg=PA918|year=2001|publisher=Oxford University Press|isbn=978-0-19-514236-5|page=918}}</ref> while most [[Common law]] proper legal systems use the term ''act of God''.<ref name=":0">{{cite book |last=Black |first=Henry Campbell |url=https://archive.org/details/blackslawdiction00blac_1 |title=Black's Law Dictionary |publisher=West Publishing Co. |year=1990 |isbn=0-314-76271-X |edition=6th |location=[[Saint Paul, Minnesota]] |page=[https://archive.org/details/blackslawdiction00blac_1/page/33 33] |url-access=registration}}</ref>


It is legally distinct from—though often related to—a common clause found in [[Contract|contract law]] known as ''[[force majeure]]''.<ref>LII / Legal Information Institute. “Force Majeure.” Retrieved January 21, 2024. https://www.law.cornell.edu/wex/force_majeure.</ref> In light of the [[scientific consensus on climate change]], its modern applicability has been questioned by legal scholars.<ref>{{cite journal|last=Dellinger|first=Myanna|year=2016|title=An 'Act of God'? Rethinking Contractual Impracticability in an Era of Anthropogenic Climate Change|journal=[[Hastings Law Journal]]|publisher=[[University of California College of the Law, San Francisco|University of California, Hastings College of the Law]]|volume=67|issue=6|pages=1551–1620|url=https://repository.uclawsf.edu/hastings_law_journal/vol67/iss6/2/|access-date=June 6, 2024}}</ref>
By contrast, other extraordinary man-made or political events are deemed ''[[force majeure]]''.<ref>such as the closure of the Shatt-al-Arab waterway – ''The Bamburi'' [1982] I LLR3122</ref>


== Contract law ==
== Contract law ==
In the law of [[contract]]s, an act of God may be interpreted as an implied defense under the rule of [[impossibility]] or [[impracticability]]. If so, the promise is discharged because of unforeseen occurrences, which were unavoidable and would result in insurmountable delay, expense, or other [[material breach]].
In the law of [[contract]]s, an act of God may be interpreted as an implied defense under the rule of [[Impossibility of performance|impossibility]] or [[impracticability]]. If so, the promise is discharged because of unforeseen occurrences, which were unavoidable and would result in insurmountable delay, expense, or other [[material breach]].<ref>{{Cite web |title=Tour de Force: What Constitutes an "Act of God," and Other Developments in Force Majeure Law |url=https://www.pillsburylaw.com/en/news-and-insights/tour-de-force-what-constitutes-act-of-god-force-majeure-law.html |access-date=2024-02-28 |website=Pillsbury Law |language=en}}</ref>


Under the [[English Common Law|English common law]], contractual obligations were deemed [[Sacrosanctity|sacrosanct]], so failure to honour a contract could lead to an order for [[specific performance]] or internment in a [[debtor's prison]]. In 1863, this harsh rule was softened by the case of ''[[Taylor v Caldwell]]'' which introduced the doctrine of [[Frustration of purpose|frustration of contract]], which provided that "where a contract becomes impossible to perform and neither party is at fault, both parties may be excused their obligations". In this case, a music hall was burned down by act of God before a contract of hire could be fulfilled, and the court deemed the contract frustrated.
Under the [[English Common Law|English common law]], contractual obligations were deemed [[Sacrosanctity|sacrosanct]], so failure to honor a contract could lead to an order for [[specific performance]] or internment in a [[debtor's prison]]. In 1863, this harsh rule was softened by the case of ''[[Taylor v Caldwell]]'' which introduced the doctrine of [[Frustration of purpose|frustration of contract]], which provided that "where a contract becomes impossible to perform and neither party is at fault, both parties may be excused their obligations". In this case, a music hall was burned down by act of God before a contract of hire could be fulfilled, and the court deemed the contract frustrated.<ref>{{Cite web |title=Taylor v Caldwell - 1863 |url=https://www.lawteacher.net/cases/taylor-v-caldwell.php |access-date=2024-02-28 |website=www.lawteacher.net |language=en}}</ref>


In other contracts, such as [[Indemnity|indemnification]], an act of God may be no excuse, and in fact may be the central risk assumed by the promisor—e.g.'','' [[flood insurance]] or [[crop insurance]]—the only variables being the timing and extent of the damage. In many cases, failure by way of ignoring obvious risks due to "natural phenomena" will not be sufficient to excuse performance of the obligation, even if the events are relatively rare: e.g.'','' the [[year 2000 problem]] in computers. Under the [[Uniform Commercial Code]], 2-615, failure to deliver goods sold may be excused by an "act of God" if the absence of such act was a "basic assumption" of the contract, and the act has made the delivery "[[commercially impracticable]]".
In other contracts, such as [[Indemnity|indemnification]], an act of God may be no excuse, and in fact may be the central risk assumed by the promisor—e.g.'','' [[flood insurance]] or [[crop insurance]]—the only variables being the timing and extent of the damage. In many cases, failure by way of ignoring obvious risks due to "natural phenomena" will not be sufficient to excuse performance of the obligation, even if the events are relatively rare: e.g.'','' the [[year 2000 problem]] in computers. Under the [[Uniform Commercial Code]], 2-615, failure to deliver goods sold may be excused by an "act of God" if the absence of such act was a "basic assumption" of the contract, and the act has made the delivery "[[commercially impracticable]]".<ref>{{Cite web |title=Force Majeure Clauses: Key Issues in Selected Commercial Transactions |url=http://uk.practicallaw.thomsonreuters.com/w-024-8344?transitionType=Default&contextData=(sc.Default)&firstPage=true |access-date=2024-02-28 |website=Practical Law |language=en-GB}}</ref>


Recently, human activities have been claimed to be the root causes of some events previously considered natural disasters. In particular:
Recently, human activities have been claimed to be the root causes of some events previously considered natural disasters. In particular:
* [[Geothermal]] injections of water provoking earthquakes ([[Basel]], Switzerland, 2003)<ref>{{cite web |url=http://www.spiegel.de/wissenschaft/technik/beben-nach-erdwaermeprojekt-gericht-spricht-schweizer-geologen-frei-a-668549.html |title=Beben nach Erdwärmeprojekt – Gericht spricht Schweizer Geologen frei |date=22 December 2009 |access-date=28 November 2012}}</ref>
* [[Geothermal activity|Geothermal]] injections of water provoking earthquakes ([[Basel]], Switzerland, 2003)<ref>{{cite news |url=http://www.spiegel.de/wissenschaft/technik/beben-nach-erdwaermeprojekt-gericht-spricht-schweizer-geologen-frei-a-668549.html |title=Beben nach Erdwärmeprojekt – Gericht spricht Schweizer Geologen frei |newspaper=Der Spiegel |date=22 December 2009 |access-date=28 November 2012}}</ref>
* [[Drilling]] provoking [[mud volcano]] ([[Java]], 2008)<ref>{{cite web |url=http://berkeley.edu/news/media/releases/2008/06/09_lusi.shtml |title=Javan mud volcano triggered by drilling, not quake |author2=Robert Sanders |first=Claire |last=Whitelaw |date=9 June 2008 |access-date=22 February 2011}}</ref>
* [[Drilling]] provoking [[mud volcano]] ([[Java]], 2008)<ref>{{cite web |url=http://berkeley.edu/news/media/releases/2008/06/09_lusi.shtml |title=Javan mud volcano triggered by drilling, not quake |author2=Robert Sanders |first=Claire |last=Whitelaw |date=9 June 2008 |access-date=22 February 2011}}</ref>

Such events are possibly threatening the legal status of acts of God and may establish liabilities where none existed until now. Another issue in the law of contracts is whether the terms of contracts be complied upon in the case of an [[epidemic]].


As a general principle of act of God,<ref>Gordon D. Kaufman Vol. 61, No. 2 (Apr., 1968), pp. 175–201</ref> epidemic can be classified as an act of God if the epidemic was unforeseeable and renders the promise discharged if the promisor cannot avoid the effect of the epidemic by exercise of reasonable prudence, diligence and care, or by the use of those means which the situation renders reasonable to employ.<ref>Starr, Samuel M. Tony; Roy, Alyssa B.; Leonard, Kaitlyn C.; Prober, Clare. "What the COVID-19 Pandemic Means for Force Majeure Provisions". ''www.mintz.com''. Retrieved 2020-03-31.</ref>
As a general principle of act of God,<ref>Gordon D. Kaufman Vol. 61, No. 2 (Apr., 1968), pp. 175–201</ref> epidemic can be classified as an act of God if the epidemic was unforeseeable and renders the promise discharged if the promisor cannot avoid the effect of the epidemic by exercise of reasonable prudence, diligence and care, or by the use of those means which the situation renders reasonable to employ.<ref>Starr, Samuel M. Tony; Roy, Alyssa B.; Leonard, Kaitlyn C.; Prober, Clare. "What the COVID-19 Pandemic Means for Force Majeure Provisions". ''www.mintz.com''. Retrieved 2020-03-31.</ref>
Line 40: Line 38:


===United States===
===United States===
In the law of [[tort]]s, an ''act of God'' may be asserted as a type of intervening cause, the lack of which would have avoided the cause or diminished the result of liability (e.g., but for the earthquake, the old, poorly constructed building would be standing). However, foreseeable results of unforeseeable causes may still raise liability. For example, a bolt of lightning strikes a ship carrying volatile compressed gas, resulting in the expected explosion. Liability may be found if the carrier did not use [[duty of care|reasonable care]] to protect against sparks—regardless of their origins. Similarly, [[strict liability]] could defeat a defense for an ''act of God'' where the defendant has created the conditions under which any accident would result in harm. For example, a long-haul truck driver takes a shortcut on a back road and the load is lost when the road is destroyed in an unforeseen flood. Other cases find that a common carrier is not liable for the unforeseeable forces of nature. See Memphis & Charlestown RR Co. v. Reeves, 77 U.S. 176 (1870).
In the law of [[tort]]s, an ''act of God'' may be asserted as a type of intervening cause, the lack of which would have avoided the cause or diminished the result of liability (e.g., but for the earthquake, the old, poorly constructed building would be standing). However, foreseeable results of unforeseeable causes may still raise liability. For example, a bolt of lightning strikes a ship carrying volatile compressed gas, resulting in the expected explosion. Liability may be found if the carrier did not use [[duty of care|reasonable care]] to protect against sparks—regardless of their origins. Similarly, [[strict liability]] could defeat a defense for an ''act of God'' where the defendant has created the conditions under which any accident would result in harm. For example, a long-haul truck driver takes a shortcut on a back road and the load is lost when the road is destroyed in an unforeseen flood. Other cases find that a common carrier is not liable for the unforeseeable forces of nature. See ''Memphis & Charlestown RR Co. v. Reeves'', 77 U.S. 176 (1870).

A particularly interesting example is that of "rainmaker" [[Charles Hatfield]], who was hired in 1915 by the city of [[San Diego, California|San Diego]] to fill the Morena reservoir to capacity with rainwater for $10,000. The region was soon flooded by heavy rains, nearly bursting the reservoir's dam, killing nearly 20 people, destroying 110 bridges (leaving 2), knocking out [[telephone]] and [[telegraph]] lines, and causing an estimated $3.5 million in damage in total. When the city refused to pay him (he had forgotten to sign the contract), he sued the city. The floods were ruled an act of God, excluding him from liability but also from payment.

==In theology==
{{See also|Divine providence}}
[[File:Schnorr von Carolsfeld Bibel in Bildern 1860 059.png|thumb|right|In ''Korah's Rebellion'', an 1860 woodcut by [[Julius Schnorr von Karolsfeld]], a sinkhole forms under the rebels.]]
The phrase "act of God" is sometimes used to attribute an event to [[divine intervention]]. Often it is used in conjunction with a [[natural disaster]] or tragic event. A [[miracle]], by contrast, is often considered a fortuitous event attributed to divine intervention. Some consider it separate from ''acts of nature'' and being related to fate or [[destiny]].<ref>{{Cite web |title=Introductory Session – Four Theories of Disaster |publisher=FEMA Emergency Management Institute |url=http://training.fema.gov/EMIWeb/edu/docs/hazdem/Session%205%20--%20The%20Four%20Theories%20of%20Disaster.doc |access-date=30 December 2009}}</ref>

Christian theologians differ on their views and interpretations of scripture.<ref>{{cite web|title=Creation, Providence, and Miracle|url=http://www.reasonablefaith.org/creation-providence-and-miracle|access-date=20 May 2014}}</ref> [[R.C. Sproul]] implies that God causes a disaster when He speaks of divine providence: "In a universe governed by God, there are no chance events."<ref>{{Cite book |last=Sproule |first=R C |title=Essential Truths of the Christian Faith |publisher=Tyndale |year=1992 |pages=61–63 |isbn=0-8423-2001-6}}</ref> Others{{Weasel inline|date=April 2021}} indicate that God may allow a tragedy to occur.<ref>{{Cite web|title=act of God meaning|publisher=Theidioms.com|url=https://www.theidioms.com/act-of-god/|access-date=30 December 2009}}</ref><ref>{{Citation |last=Strobel |first=Lee |date=July 2012 |title=Why Does God Allow Tragedy and Suffering? |publisher=Church Leaders|url=http://www.churchleaders.com/pastors/pastor-articles/162215-lee-strobel-why-does-god-allow-tragedy-and-suffering.html |access-date=20 January 2013}}</ref>


One example is that of "rainmaker" [[Charles Hatfield]], who was hired in 1915 by the city of [[San Diego, California|San Diego]] to fill the Morena reservoir to capacity with rainwater for $10,000.<ref>{{Cite web |title=It's Raining Man! |url=https://sandiegohistory.org/exhibition/rainingman/ |access-date=2024-02-28 |website=San Diego History Center {{!}} San Diego, CA {{!}} Our City, Our Story |language=en-US}}</ref> The region was soon flooded by heavy rains, nearly bursting the reservoir's dam, killing nearly 20 people, destroying 110 bridges (leaving 2), knocking out [[telephone]] and [[telegraph]] lines, and causing an estimated $3.5 million in damage in total. When the city refused to pay him (he had forgotten to sign the contract), he sued the city. The floods were ruled an act of God, excluding him from liability but also from payment.<ref>{{Cite web |title=The Great Flood of 1916 - South Bay Historical Society |url=http://sunnycv.com/history/exhibits/flood.html |access-date=2024-02-28 |website=sunnycv.com}}</ref>
Others accept unfortunate events as part of life<ref>{{Cite web |last=Robinson |first=B A |title=Why do tragedies happen? |publisher=Ontario Consultants on Religious Tolerance |date=4 September 2005 |url=http://www.religioustolerance.org/tsunami04a.htm |access-date=30 December 2009}}</ref> and reference [[Gospel of Matthew|Matthew]] 5:45 ([[KJV]]): "for he maketh his sun to rise on the evil and on the good, and sendeth rain on the just and on the unjust".


== See also ==
== See also ==
Line 57: Line 46:
*''[[Vis major]]''
*''[[Vis major]]''
* [[Lawsuits against God]]
* [[Lawsuits against God]]
* [[Extreme event attribution]]


== References ==
== References ==

Latest revision as of 11:06, 30 September 2024

This tornado damage to an Illinois home could be considered an "act of God" for insurance purposes in the United States, if the insurance policy did not specifically account for tornadoes.[1]

In legal usage in the English-speaking world, an act of God, act of nature, or damnum fatale ("loss arising from inevitable accident") is an event caused by no direct human action (e.g. severe or extreme weather and other natural disasters) for which individual persons are not responsible and cannot be held legally liable for loss of life, injury, or property damage.[2][3][4][5] An act of God may amount to an exception to liability in contracts (as under the Hague–Visby Rules),[6] or it may be an "insured peril" in an insurance policy.[7] In Scots law, the equivalent term is damnum fatale,[8] while most Common law proper legal systems use the term act of God.[9]

It is legally distinct from—though often related to—a common clause found in contract law known as force majeure.[10] In light of the scientific consensus on climate change, its modern applicability has been questioned by legal scholars.[11]

Contract law

[edit]

In the law of contracts, an act of God may be interpreted as an implied defense under the rule of impossibility or impracticability. If so, the promise is discharged because of unforeseen occurrences, which were unavoidable and would result in insurmountable delay, expense, or other material breach.[12]

Under the English common law, contractual obligations were deemed sacrosanct, so failure to honor a contract could lead to an order for specific performance or internment in a debtor's prison. In 1863, this harsh rule was softened by the case of Taylor v Caldwell which introduced the doctrine of frustration of contract, which provided that "where a contract becomes impossible to perform and neither party is at fault, both parties may be excused their obligations". In this case, a music hall was burned down by act of God before a contract of hire could be fulfilled, and the court deemed the contract frustrated.[13]

In other contracts, such as indemnification, an act of God may be no excuse, and in fact may be the central risk assumed by the promisor—e.g., flood insurance or crop insurance—the only variables being the timing and extent of the damage. In many cases, failure by way of ignoring obvious risks due to "natural phenomena" will not be sufficient to excuse performance of the obligation, even if the events are relatively rare: e.g., the year 2000 problem in computers. Under the Uniform Commercial Code, 2-615, failure to deliver goods sold may be excused by an "act of God" if the absence of such act was a "basic assumption" of the contract, and the act has made the delivery "commercially impracticable".[14]

Recently, human activities have been claimed to be the root causes of some events previously considered natural disasters. In particular:

As a general principle of act of God,[17] epidemic can be classified as an act of God if the epidemic was unforeseeable and renders the promise discharged if the promisor cannot avoid the effect of the epidemic by exercise of reasonable prudence, diligence and care, or by the use of those means which the situation renders reasonable to employ.[18]

Tort law and delict law

[edit]

UK – England and Wales

[edit]

An act of God is an unforeseeable natural phenomenon. Explained by Lord Hobhouse in Transco plc v Stockport Metropolitan Borough Council as describing an event:

  1. which involves no human agency
  2. which is not realistically possible to guard against
  3. which is due directly and exclusively to natural causes and
  4. which could not have been prevented by any amount of foresight, plans, and care.

UK – Scotland

[edit]

In Tennant v Earl of Glasgow (1864 2 M (HL) 22) Lord Chancellor Westbury described a case as: "what is denominated in the law of Scotland damnum fatale — occurrences and circumstances which no human foresight can provide against, and of which human prudence is not bound to recognize the possibility; and which, when they do occur, therefore, are calamities that do not involve the obligation of paying for the consequences that may result from them."[19]

United States

[edit]

In the law of torts, an act of God may be asserted as a type of intervening cause, the lack of which would have avoided the cause or diminished the result of liability (e.g., but for the earthquake, the old, poorly constructed building would be standing). However, foreseeable results of unforeseeable causes may still raise liability. For example, a bolt of lightning strikes a ship carrying volatile compressed gas, resulting in the expected explosion. Liability may be found if the carrier did not use reasonable care to protect against sparks—regardless of their origins. Similarly, strict liability could defeat a defense for an act of God where the defendant has created the conditions under which any accident would result in harm. For example, a long-haul truck driver takes a shortcut on a back road and the load is lost when the road is destroyed in an unforeseen flood. Other cases find that a common carrier is not liable for the unforeseeable forces of nature. See Memphis & Charlestown RR Co. v. Reeves, 77 U.S. 176 (1870).

One example is that of "rainmaker" Charles Hatfield, who was hired in 1915 by the city of San Diego to fill the Morena reservoir to capacity with rainwater for $10,000.[20] The region was soon flooded by heavy rains, nearly bursting the reservoir's dam, killing nearly 20 people, destroying 110 bridges (leaving 2), knocking out telephone and telegraph lines, and causing an estimated $3.5 million in damage in total. When the city refused to pay him (he had forgotten to sign the contract), he sued the city. The floods were ruled an act of God, excluding him from liability but also from payment.[21]

See also

[edit]

References

[edit]
  1. ^ "Insurance: What exactly constitutes an "Act of God"?". CBS News. 30 July 2015. Retrieved 7 July 2020.
  2. ^ "Definition of DAMNUM FATALE". www.merriam-webster.com. Retrieved 19 May 2023.
  3. ^ "act of God". Oxford Reference. Retrieved 10 March 2024.
  4. ^ "act of God". Legal Information Institute. Cornell Law School. Retrieved 6 June 2024.
  5. ^ "act of nature". Legal Information Institute. Cornell Law School. Retrieved 6 June 2024.
  6. ^ Art. IV (2) "Neither the carrier nor the ship shall be responsible for loss or damage arising or resulting from: ... (d) Act of God"
  7. ^ Marine Insurance Act 1906 – Rules for construction of policy
  8. ^ Bryan A. Garner (2001). A Dictionary of Modern Legal Usage. Oxford University Press. p. 918. ISBN 978-0-19-514236-5.
  9. ^ Black, Henry Campbell (1990). Black's Law Dictionary (6th ed.). Saint Paul, Minnesota: West Publishing Co. p. 33. ISBN 0-314-76271-X.
  10. ^ LII / Legal Information Institute. “Force Majeure.” Retrieved January 21, 2024. https://www.law.cornell.edu/wex/force_majeure.
  11. ^ Dellinger, Myanna (2016). "An 'Act of God'? Rethinking Contractual Impracticability in an Era of Anthropogenic Climate Change". Hastings Law Journal. 67 (6). University of California, Hastings College of the Law: 1551–1620. Retrieved 6 June 2024.
  12. ^ "Tour de Force: What Constitutes an "Act of God," and Other Developments in Force Majeure Law". Pillsbury Law. Retrieved 28 February 2024.
  13. ^ "Taylor v Caldwell - 1863". www.lawteacher.net. Retrieved 28 February 2024.
  14. ^ "Force Majeure Clauses: Key Issues in Selected Commercial Transactions". Practical Law. Retrieved 28 February 2024.
  15. ^ "Beben nach Erdwärmeprojekt – Gericht spricht Schweizer Geologen frei". Der Spiegel. 22 December 2009. Retrieved 28 November 2012.
  16. ^ Whitelaw, Claire; Robert Sanders (9 June 2008). "Javan mud volcano triggered by drilling, not quake". Retrieved 22 February 2011.
  17. ^ Gordon D. Kaufman Vol. 61, No. 2 (Apr., 1968), pp. 175–201
  18. ^ Starr, Samuel M. Tony; Roy, Alyssa B.; Leonard, Kaitlyn C.; Prober, Clare. "What the COVID-19 Pandemic Means for Force Majeure Provisions". www.mintz.com. Retrieved 2020-03-31.
  19. ^ "Hugh Tennent v. The Earl of Glasgow - [1864] UKHL 2_Paterson_1229 - United Kingdom House of Lords - Judgment - Law". CaseMine. Retrieved 24 June 2021.
  20. ^ "It's Raining Man!". San Diego History Center | San Diego, CA | Our City, Our Story. Retrieved 28 February 2024.
  21. ^ "The Great Flood of 1916 - South Bay Historical Society". sunnycv.com. Retrieved 28 February 2024.