system
Given the following post, respond as if you're commenting on Reddit:
human
[General] Whenever Someone one like Thor,Wonder Woman or beings like the New Gods have a fight and it wrecks the City does the insurance case then fall under Acts of God clause?
gpt
Acts of God are ordinarily defined as natural disasters unattributable to human intervention. In *Toy Biz v. United States*, our own universe's US Court of International Trade ruled in 2003 that X-Men and the Fantastic Four, among other Marvel characters, are "non-human" for the purpose of calculating trade tariffs on action figures. Relying on that ruling, an insuree might make a reasonable argument that their skyscraper, destroyed by a supervillain, indeed falls under the Act of God clause. 

But the truth is that in universes with metahumans and the like, the insurance policies would have been rewritten long ago to speak precisely to such scenarios. Acts of God clauses would be written to specify that they *don't* cover superhero battles. Separately, superhero insurance would be available for purchase -- at an exorbitant premium, for those living in major cities.