I need to rewatch the film The Man Who Sued God, which tackles this particular thing (I believe it was based on a real story?). The tl;dr is, a guy's boat was hit by lightning and the insurance didn't pay out because it was "Act of God", or in more agnostic terms, unpredictable / unexpected.
Interesting, I saw a Bollywood film with that premise - can't recall the name but I think more recent - not a boat, but the guy's shop. Was good from what I recall, would also recommend.
(edit: though in hindsight I realise that's a useless 'recommendation' if I can't recall the name...)
