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