You are not responsible for Act of God, but you are responsibler for your own action.
Act of God: how tree grows, how storm fell trees.
Act of Man: you were warned of the danger but did nothing.
總之,天下危險的事情很多,你要是連草木的事情都擔心自己負責任,那麽請不要買獨立屋,一輩子住condo好了。