Who's fault is it?

This is a story about who is responsible for boat problems. What constitutes the disclaimer "An Act of God" ?

If the brakes on a brand new car were to fail and cause an accident in a rain storm due to slippery road conditions, who would be to blame? God or the car manufacturer? If only the brakes had worked...

If the bilge pump on a 2 week old Legend boat fails in a rain storm and causes the boat to fill with water and be so heavy it hits the rocks, who is to blame? God or the boat manufacturer? If only the pump had worked...

Waiting 5 months for the answer from Legend folks...