does the last phrase modify the preceding phrase

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In the phrase "...allowing for reasonable use and wear and damages by acts of God, including fire and storms" are the words fire and storms meant to be used as examples of acts of God?  Could you please tell me the grammatical rule that applies?

modifiers asked May 08 '13 at 17:41 warren spencer New member

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I would not use fire and storms as examples of acts of God. In the language of business or insurance, which this seems to be, an act of God is a severe event such as a hurricane, tornado, flood, or earthquake. Storms can be severe, but it is a mild term for an act of God. Fires might be started by lightning or arson. The lightning would be the act of God, not the fire itself.

link comment edited May 09 '13 at 15:51 Patty T Grammarly Fellow

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