Natural disaster
From Conservapedia
A natural disaster is a disaster caused by natural forces. An example would be a volcano eruption, earthquake, or a hurricane.
Insurance agencies often refer to natural disasters as "Acts of God".[1] Many policies have provisions that companies will not insure against such occurrences. For instance home owner's insurance in southern California does not cover damage done as a result of earthquakes. Earthquake protection must be purchased separately.
The original reference to "Acts of God" in regard to insurance claims came through a court case in 1803.[2]
