An Act of God is a term used to describe an event not controlled by humans or human activities.
What is Act of God ?
An Act of God is an uncontrollable event, usually a natural disaster that one cannot predict, like an earthquake or tsunami. Since these disasters are not caused by human negligence or carelessness, most insurance policies cover acts of god perils unless any plan specifically excludes some of them. This, however, does not mean that the insured need not take prior preventive measures against these possible situations.