An "Act of God" refers to natural events that are beyond human control, such as earthquakes, floods, hurricanes, and tornadoes. These events are typically unexpected and can cause significant damage to property and life. In legal terms, they are often used to describe situations where liability may not be assigned to any party due to the unpredictable nature of the event. In contracts and insurance policies, an "Act of God" clause may be included to outline the responsibilities of each party in the event of such natural disasters. This clause helps protect individuals and businesses from being held liable for damages caused by these uncontrollable occurrences.