The state of insurance in the state of California is miserable.
When we think of protecting our homes, events such as fire, fallen trees or other disasters defined as "acts of God" come to mind. Insurance companies figured out long ago that the risks associated with these events are worth taking.
Usually, when these infrequent events occur, damages are visible, definable and ultimately payable. Indeed, they tend to be obvious and, therefore, not subject to legal question. After all, has anyone ever filed a lawsuit against God? The Church, yes, but God?