Hello how may I help you? Can you check something on my policy? Okay. What is your name and policy number? It is under Ralph White, #7892 Okay Mr. White I see thay you have home insurance that covers damage from water, fire, and acts of god *that Okay. That's what I was wondering. What exactly is meant by 'acts of God?' If anything happens that is not man caused it is an act of god. This would cover hurricanes flooding, tornadoes, and tsunami damages So if we had a really bad lightning storm and it struck my tree, which then fell on my house, I would be covered? Yes, That would be covered under the acts of god coverage Great, because that's what happened last night. Looks like i"ll be calling my agent. Okay. Your local agent is Adam Reed. His number is 176-222-9873