What is an "Act of God" with regard to water damage?

What is an "Act of God" with regard to water damage?

An Act of God with regard to water damage is a natural occurrence of such a large proportion that it was really uncontrollable and can't be contributed to the fault of any one person. Let's say that under normal conditions, when rain comes down there's no problem with the water flowing from your neighbor's house over to yours and the properties are able to handle it, the natural drainage takes care of the water. But, let's say you have one of these kinds of rainfall that comes every hundred years, that is such a torrential downpour that a flood occurs and the rainwater leaves it's normal water course and damages your property. That would most likely be considered an Act of God, the neighbor hasn't caused it in any way, even if they've built something on their property that has changed the water flow. That change, under normal circumstances, hasn't caused any problem, and only caused a problem this time because of this Act of God. The neighbour who had made the change to his property may well not be liable for the damage, even if they've changed the way the water normally flowed.