# Insurance..terrorist coverage..act of war **URL:** \ **Category:** Factual Questions\ **Created:** [September 15, 2001, 4:22am UTC](https://boards.straightdope.com/t/insurance-terrorist-coverage-act-of-war/81768 "2001-09-15T04:22:53Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![OliverTwistofLime](https://avatars.discourse-cdn.com/v4/letter/o/b487fb/32.png) [@OliverTwistofLime](https://boards.straightdope.com/u/OliverTwistofLime)\ **Post date:** [September 15, 2001, 4:22am UTC](https://boards.straightdope.com/t/insurance-terrorist-coverage-act-of-war/81768/1 "2001-09-15T04:22:53Z")
The WTC was insured against destruction by terrorist attack. But most insurances do not cover an _act of war_. Did the Presidents declaration that the devastation was an Act of War nullify the billions of dollars that would normally be paid by the insurance companies to the owners? ---
**Author:** ![bibliophage](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bibliophage/32/7615_2.png) [@bibliophage](https://boards.straightdope.com/u/bibliophage)\ **Post date:** [September 15, 2001, 4:46am UTC](https://boards.straightdope.com/t/insurance-terrorist-coverage-act-of-war/81768/2 "2001-09-15T04:46:19Z")
I’ll close this thread because this topic has been discussed so recently. I direct any remaining unanswered questions to the earlier thread, [Insurance Coverage On A Terrorist Act](http://boards.straightdope.com/sdmb/showthread.php?threadid=86749) ---
**Author:** ![sethdallob](https://avatars.discourse-cdn.com/v4/letter/s/e36b37/32.png) [@sethdallob](https://boards.straightdope.com/u/sethdallob)\ **Post date:** [September 15, 2001, 4:46am UTC](https://boards.straightdope.com/t/insurance-terrorist-coverage-act-of-war/81768/3 "2001-09-15T04:46:39Z")
I don’t think so. I believe that the ‘act of war’ clause must be from a declared war/police action. The insurance companies will pay. Luckily, the risk is fairly well spread out between companies.