The world sinks as the sea level rises and floods are more frequent. Now we are seeing events of one in a thousand years and houses are ruined, razed, or otherwise destroyed. Those who are insured are often left on the sidelines when they discover that the Insurance Company denies their request for reimbursement. The reasons given are staggering and range from an act of God to one forgetting to include the flood in their policy.

Under normal circumstances, one might forget to include flooding because they live far from a river or stream and their location has never experienced a rise in water before. However, this is not a good reason to quit as some discovered in the recent floods in Victoria and parts of New South Wales.

Major storms and heavy rains sent an ocean of water from Queensland after the 2010-2011 cyclone. This impacted areas of New South Wales that left residents stunned. The sewers in the streets were lifted as the water came out of the drainage system and flooded like streams running through their houses.

The question is what is an act of God when it comes to paying for insurance? Isn’t it all the result of rain and natural events? Well not exactly! The definition of such is that it is unavoidable through the use of precautions and preventive measures. This allows many companies to find a loophole in their policy.

For example, take the case of a flooded stream next to a property in Wollongong, New South Wales. This happened as a result of a massive storm, but the insurance company avoided payment, and why? Because the landscape around the house was determined to act as a channel for the water. This was considered legitimate because the owner had contributed to the water entering the property.

While these companies have a huge burden on their hands in light of the number of natural events, one wonders if insurance is the answer. Cost is a huge hit on the hip pocket and if the bottom line is that one is not covered, wouldn’t the money have been better in a bank to earn interest throughout the years the policy was in effect?

Insurance is a huge risk and a claim may or may not be safely enforced, the bottom line is that with so many floods and destroyed homes, there has to be a breaking point. My answer is not to have insurance at all, but to trust the Spirit to protect me. After all, if we’re talking about an act of God, then isn’t that the place to put your trust?