system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5 how insurance companies can claim an incident is an "act of God."

Just curious as to how an insurance company can say an event is an "act of God."  Especially in the United States where the pot is mixed with different religious backgrounds.
gpt
It's a legal term, and essentially refers to unforeseeable events for which nobody can be held responsible. It could just as well be called flibbolugy, the fact that it refers to God is legally irrelevant.