An "Act of God" refers to natural events that are beyond human control, such as earthquakes, floods, hurricanes, and tornadoes. These events are typically unpredictable and can cause significant damage to property and life. In legal terms, they are often used to describe situations where liability may be limited due to the unforeseen nature of the event. In insurance, an "Act of God" can affect coverage and claims. Policies may include specific clauses that outline how damages from such events are handled. Understanding these terms is essential for both policyholders and insurers to navigate the complexities of coverage during natural disasters.