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In legal usage in the English-speaking world, an act of God, act of nature, or damnum fatale ("loss arising from inevitable accident") is an event caused by no direct human action (e.g. severe or extreme weather and other natural disasters) for which individual persons are not responsible and cannot be held legally liable for loss of life, injury, or property damage.
A loss payee clause (or loss payable clause) is a clause in a contract of insurance that provides, in the event of payment being made under the policy in relation to the insured risk, that payment will be made to a third party rather than to the insured beneficiary of the policy.
The PDS wording can be incorporated into the text of a tornado warning, either upon its initial issuance or in a "severe weather statement" providing updated information on the storm, when a considerable tornado debris signature is detected on radar or a large tornado is visually observed
If insufficient coverage is purchased to rebuild the home, the insured may have to pay substantial uninsured costs out of their own pocket. In 2013, a survey found that about 60% of homes have replacement cost estimates which are too low by an estimated 17 percent. [6]
Late at night, Kellogg ran the suspicious samples of lymph fluid to Angel Island to be tested on animals in Kinyoun's better-equipped laboratory – an operation that would take at least four days. Meanwhile, Wilson and O'Brien called upon the city's Board of Health and insisted that Chinatown be quarantined immediately.
On August 31, the Board of State Canvassers, responsible for determining whether candidates and initiatives should be placed on the ballot, deadlocked 2–2, with challengers arguing that the initiative's wording was poorly-spaced. On September 9, the Michigan Supreme Court ruled 5-2 that the initiative should be placed on the November ballot. [3]
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The 2023 Ohio reproductive rights initiative, [2] officially titled "The Right to Reproductive Freedom with Protections for Health and Safety" and listed on the ballot as Issue 1, [3] was a citizen-initiated constitutional amendment adopted on November 7, 2023, by a majority (56.8%) of voters.