Can The Act Of God Disclaimer Be Sued?

I am probably opening Pandora's box with this question. Think about it. Acts of God are described as massive destruction and death due to causes of nature (don't say "Mother Nature" either, as it is indicative of a higher being in some religious beliefs) and are the tried and true basis of disclaimers in insurance policies, for example. Many businesses also use this particular disclaimer to get around settling with customers stiffed in a natural disaster of goods/services that are pre-paid. There are others using this disclaimer I am sure, but rather than going into who uses it, my question is - how has this disclaimer survived being sued? Really if you think about it these businesses, that get tax-breaks from a government that is constantly sued for allowing religion and "God" into it's trappings, should be held to the same standards. Or is it acceptable for God to be blamed for all misfortune of this kind? But how is that if He doesn't exist?

Among the millions affected by hurricane Katrina (for example) how many of these people had insurance that had an "Act of God" clause in it? How many had purchased goods or services in the region from companies affected by Katrina who have an "Act of God" disclaimer? How many of these people are self-claimed agnostics or atheists? On the flip side of this how many of these insurance companies and businesses are run by agnostics or atheists who will invoke the disclaimer to avoid reimbursal of loss even though they themselves don't believe in God? Can you see where this is going? If so, these people should be claiming that since they do not recognize "God" the disclaimer is void to them and thereby anything invoked under the "Act of God" disclaimer should be reimbursable. On the flip side, any business owner who doesn't believe in God shouldn't be allowed to blame Him for not reimbursing customers for their loss.

Isn't it odd that intelligent design is not a consideration in explaining the unknowns of creation/evolution, but an "Act of God" is acceptable to all to explain massive devastation that prevents financial reimbursal in loss of property, goods, and services? That would mean that God exists doesn't it? But then, maybe God only exists in the world of finances...