Insurance companies presume to recognize "Act of God."

There have been insurance companies that have
denied a payment or a payout because the insurance company
said "It was an act of God.'

Why do insurance companies have the authority and the
ability to "Judge" what is and what is not an act of
"GOD?"

Insurance companies must be held accountable in their
authority to judge and prove that God exists before they
can prove that they have the authority to judge God's
intentions or will.