Many homes were damaged when two typhoons hit the Philippines. And most home owners were not able to claim home insurance because of the fact that the damages were caused by force majeure or acts of God. That is why most home owners were sad with what happened. They have to rely on other means to have their homes to be rehabilitated.
Anyway, this also serves as a reminder for us consumers to compare home insurance policies before buying one. Always make sure that the policy states that it will cover damages caused by force majeure or acts of God, so that you will be able to claim help in times of crisis like flood water damages. Though there are times those premiums of home insurance policies that have this is more expensive compared to those that doesn’t cover such but of course worth the risk in times when natural calamity strikes!