system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: Acts of God should not be legally allowed as an excuse to not pay out insurance claims.

Acts of God events are exactly the moments people need their insurance pay outs the most, thats the whole point of spreading the financial risk across large chunks of population.All of those acts are predictable events that we just happen to not have a good model for yet. Even things like global pandemics actually already have yearly projection models ( they were telling us one is imminent for years). Insurance companies have good enough actuaries to do a pretty good estimation on what the premium should be to account for them, they just choose not to because it is more profitable for them to be able to deny people's claims.Additionally is there is an industry out there that can afford to invest billions into better seismic, weather and other other models - its Insurance industry.

Insurance industry should not be able to be risks free for itself where they always make money regardless of what happens, because with big enough events they claim Act of God and government has to bail people out. Classic privatize the gains, socialize the losses.

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Edit: Due to this conversation i realized that my issue is not Acts of God, but unethical behavior by insurance industry.
gpt
You can find an insurance company that'll insure you for basically anything, including the acts (of God or otherwise) that you mention. And if you can't find a company that will, what's your suggestion? They're forced to, somehow? 

It's not like insurance companies get out of paying for hurricane damage if the policy includes hurricane damage. "Acts of God" is simply a term (that's not really used much any more) to describe a bunch of things that aren't covered by a policy. The resulting lack of pay-out is because you bought an insurance policy that didn't cover you for the thing that caused your loss - that's all there is to it.