There have been hundreds of such challenges. There is a set of volumes in many larger law libraries containing the standard insurance clauses used by many companies and then following the phrase or clause, their are references to cases defining and deciding what the terms mean or include. Some states may decide one way and other state courts decide another way. There is another set of volumes of standard insurance clauses suggested and issued by an insurance industry group with similar citations to cases.
One of the stranger cases I heard of was where the homeowner sued both the insurance company and GOD, figuring if the insurance company weaseled out by showing it was an act of God, then he alternatively, had God on the hook. To serve God with the law suit, he some how served papers on the Vatican, as the chief representative of God on Earth. Well, the insurance company defended the case and got off on the act of God thing, and the guy got a default judgment against God when no one showed to defend God. The guy then tried to have the local sheriff attach and sell a local Catholic church and that is when the legal manure hit the ventilation system. Their was all kinds of wrangling and the judgment against God was overturned. It happened about 40 years ago. I can't remember why the court held the way it did, but it made national news back then.
https://en.wikipedia.org/wiki/Lawsuits_against_God
