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However, I was under the impression that an Act of God was no longer an excuse that insurances could use as a cop out tactic. After all, how on earth would I go about suing God. I can see that no individual was responsible, but as they only had the building refurbished including a new roof not that long ago. Why is it no one else's tiles came off their roof along this stretch of the street. I would question how good a job the workmen did on their roof?