In Illinois where Farmers Insurance believes climate damage is foreseeable, not an “Act of God.”   

 “A major insurance company is accusing dozens of localities in Illinois of failing to prepare for severe rains and flooding in lawsuits that are the first in what could be a wave of litigation over who should be liable for the possible costs of climate change.    Farmers Insurance filed class action lawsuit last month against nearly 200 communities in the Chicago area for failing to prepare for flooding. The suits argue towns should have known climate change would produce more flooding.”

https://gasvets.org/2014/05/19/562/