A little while ago, we had a storm here. My neighbors have a very heavy trampoline. In the storm, the wind kicked up to 60 MPH, and threw the trampoline over my truck. It has damaged it pretty badly. Now the owners are saying that their home owners insurance doesn't cover it due to the "Act Of God" clause. That doesn't make any sense, to me. An Act of God is when something happens that is unpreventable. Their trampoline flying into and damaging my vehicle is preventable, as they should have had their trampoline secured somehow. I was under the impression that if you have things outside of your home that could possibly become airborne in a storm and damage someone's property, that you were supposed to have it tied down, and if you didn't, your home owners insurance would be responsible for the damage. It doesn't make sense to me how my truck can suffer $3,400 in damages due to their negligence and I have to pay for it out of MY pocket. If anyone can clear this up for me, that would be great. What should I do?