actofgod Unforeseeable event Unavoidable natural event: Phrase Tornado, to an insurer Natural and unavoidable catastrophe Liability factor, in contracts Inevitable accident Event outside human control Event beyond human control Earthquake or flood, e.g An insurance policy may not cover it Hurricane or tornado Disaster often not covered by insurance Tornado or earthquake Hurricane or flood Natural disaster, legally Freak accident of cat with dog barking It's usually not covered It's not insured Flood, e.g